Mortgage products

A flexible range of real estate mortgage loans

At CMLS Financial, we want to help you achieve your vision of home ownership. So whether you're buying a new home or a second home, renewing or refinancing, upsizing or downsizing, we have the mortgage solutions you need to achieve your goals. Take control of your mortgage and make it work for you with flexible payment terms, competitive rates and prepayment privileges.

Fixed-rate mortgage

Mortgage type
  • 1Year
  • 2Year
  • 3Year
  • 4Year
  • 5Year
  • 7Year
  • 10Year

The interest rate is fixed for the entire term, so your payments are always the same.


Offers a sense of stability and allows for easy budgeting of household expenses.

Protects against interest rate increases.


In a decreasing-rate market, locking into a fixed-rate mortgage may be considerably more expensive than the adjustable-rate mortgage alternative.

Adjustable-rate mortgage

Mortgage type
  • 3Year
  • 5Year

The interest rate fluctuates with CMLS Prime. When the prime lending rate set by your lender changes, your payments adjust upwards and downwards, ensuring that your amortization period remains constant.


Historically, adjustable-rate mortgages have exhibited interest cost savings when compared to fixed-rate mortgages.

Homeowner has the option to convert their adjustable-rate mortgage to a fixed-rate mortgage at the current posted rate for that mortgage product.


Budgeting overall household expenses can be a little difficult during an increasing-rate market.

Product features

Whether you select a fixed-rate or adjustable-rate mortgage, all our residential real estate mortgage loans provide a flexible range of payment features to suit your lifestyle and investment horizon.

  • Choice of payment frequencies: weekly, bi-weekly, semi-monthly or monthly
  • Prepayment privileges up to 20%
  • Payment increases up to 20%

Ready to get started?

It's easy to apply for a residential mortgage. Simply contact your CMLS Financial affiliate mortgage broker to discuss the best mortgage solution for your needs.

Find a mortgage broker near you

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Talk to CMLS Financial today

Contact us if you have any questions or would like to find out more about any of our mortgage products.

Call our Customer Service: 1.888.995.2657 or email us at: