CMLS Financial 4-year fixed mortgage rate.
Today’s best 4-year fixed in our network is 3.89%. We access CMLS Financial’s broker-channel pricing — typically 15-30 bps below posted — and compare it across 50+ lenders.
CMLS Financial’s best 4-year fixed rate today is approximately 3.89% through the broker channel — about $2,912/month on a $700,000 home with 20% down over 25 years. A 4-year fixed is a less-common middle term that occasionally prices sharper than the 5-year. The branch rate is rarely CMLS Financial’s best — the broker channel typically runs 15-30 bps lower.
The 4-year fixed with CMLS Financial
Who it suits. Borrowers who want most of the certainty of a 5-year fixed but find a four-year offer priced attractively, or whose plans line up with a four-year horizon. It's worth checking precisely because few people ask for it, so lenders sometimes use it to win business.
What drives the rate. Priced between the 3- and 5-year bonds, the 4-year fixed is offered by fewer lenders, which means the handful who promote it can be unusually competitive on it. The right lender mix is everything for this term.
Breaking it early. Standard fixed-term math — greater of three months' interest or IRD — sitting between the 3- and 5-year in penalty size.
How CMLS Financial prices the broker channel
One of Canada's largest independent mortgage finance companies. Active in both residential and commercial, with strong CMHC MLI Select multifamily expertise.
CMLS Financial runs two 4-year fixed rate sheets: the posted/branch rate and a wholesale broker-channel rate a licensed brokerage accesses, usually 15-30 bps lower because the broker handles origination. You can’t reach it by walking into a branch. On a $700,000 mortgage, 20 bps is roughly $1,400 a year.
- CMHC MLI Select multifamily
- Commercial mortgages
- Residential A-lending
- Fair-IRD
A worked example
On a $700,000 home with 20% down, the mortgage is $560,000. At CMLS Financial’s best 4-year fixed rate of 3.89% over a 25-year amortization, the payment is about $2,912/month. Walk into a branch at the posted rate (~15-30 bps higher) and you’d pay $50-100 more a month for the identical mortgage — which is exactly what the broker channel saves. Model your numbers in the CMLS Financial calculator.
Whatever your situation with CMLS Financial
We submit to CMLS Financial's broker desk and 50+ other lenders on one application — whichever prices your file lowest wins.
First-time buyers
5% down with FHSA + RRSP HBP optimization — CMLS Financial or whichever lender prices you lowest.
Refinancing
Unlock equity for renovations, debt consolidation or investing.
Renewing
Don't auto-renew with CMLS Financial — most clients beat the first offer by 30-60 bps.
Self-employed
Business-for-self files priced right across A-lender, alt-A and private.
Bruised credit
B-lender and private paths now, with a mapped exit back to A-pricing.
Breaking a CMLS mortgage
Estimate the CMLS Financial posted-rate IRD penalty before you switch.
6 reasons to get CMLS Financial's 4-year fixed through a broker
Why the branch rate is rarely CMLS Financial's best 4-year fixed — and how the broker channel changes the math.
Access the broker channel
CMLS Financial's broker-channel 4-year fixed rate is typically 15-30 bps below the branch rate — and you can only reach it through a licensed brokerage like ours.
CMLS Financial and 50+ others compete
We submit your file to CMLS Financial's broker desk and the rest of the network on one application, so you get CMLS Financial's best and the market's best side by side.
No bureau pull to start
We can shop your CMLS 4-year fixed rate without a hard credit check, so comparing costs you nothing.
We handle the paperwork
From application to CMLS Financial's underwriting to funding, we manage the file end-to-end.
Switch or renew without overpaying
At maturity we benchmark CMLS Financial's renewal/switch offer against the whole market so you never auto-renew high.
Best-rate guarantee
We'll beat any comparable Big-6 4-year fixed offer or pay you $500 — and our advice is free, paid by the funding lender.
Why shop CMLS Financial through us
- Direct access to CMLS Financial's broker desk — plus 50+ other lenders on one application.
- Broker-channel pricing 15-30 bps below CMLS Financial's posted rate.
- One application, every lender — CMLS Financial's best and the market's best, then you choose.
- FSRA-licensed advice, no bureau pull to start, best-rate guarantee or $500.