We’re Canada's mortgage company and we’re here for Canadians from coast to coast.

As Canada’s mortgage company, we strive to make the home ownership process as simple and comfortable as possible. No matter what stage of life you’re at, we have mortgage solutions for you. From buying your first home to upsizing, downsizing, or refinancing, our mortgage experts are here to provide you with a variety of options, flexibility, and competitive rates. CMLS offers flexible payment terms and prepayment privileges to ensure that your mortgage is able to adjust as your life does.

Innovative mortgage solutions

Take control of your mortgage with flexible payment terms, competitive rates and prepayment privileges.

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Competitive mortgage rates

Some of the most competitive mortgage interest rates in Canada.

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Mortgage Tools

Use our convenient calculators to quickly determine how much you can afford, plus your payment and prepayment options.

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Find a mortgage broker

Our affiliate mortgage brokers are ready to guide you throughout the home financing process, providing expert advice.

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Home Buying Basics

There are a number of stages in the home buying process. Here's an overview of what you can expect.

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Renewing your mortgage

You could save thousands of dollars with some of the mortgage options available from CMLS Financial.

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Mortage Rates

* All rates are effective @ 12:01am EST. Uninsured mortgage loans may have a higher rate. These rates are only for qualified residential properties. Actual rates may vary. Rates are subject to change without notice. E.&O.E

Customer Portal

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How much can I afford?

Annual Income
Annual Property Taxes
Total Monthly Debts
Monthly Utility Costs
Interest Rate

Mortgage Calculator

Mortgage Amount
Interest Rate
Amortization Period

Prepayment Calculator

Mortgage Amount
Interest Rate
Amortization Period

Applying for a Mortgage

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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Mortgage Specialist

Talk to a Mortgage Specialist

Our affiliate mortgage brokers can provide you with expert advice and mortgage pre-approvals.
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Thank you for your interest. We look forward to getting in touch.

Commercial Commentary

Commercial Commentary

JANUARY 2024

Be up to date on the latest figures relating to commercial investments and mortgages.