Online Mortgage Application and Mortgage Pre-Approval Form

You will benefit from the expertise of a CIBC Mortgage Advisor, whether over the phone or at a time and place that is convenient for you.

One of our CIBC Mortgage Advisors will contact you within 1 business day.

You must have reached the age of majority in order to complete this request. By applying, you consent to the collection, use and sharing of your personal information as described in CIBC's Privacy Policy.

All fields are mandatory unless stated (optional).

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Request Type

Mortgage pre-approval certificate (shop for your house with confidence)

Down payment

Minimum of 5%

Please enter a valid down payment amount.

Mortgage application (you have purchased a home or are looking to borrow additional funds)

Please select the option that you are interested in.

I'm interested in

Purchasing a new home

Moving my mortgage to CIBC

Refinancing my existing mortgage

Please select what you are interested in.

Down payment

Minimum of 5%

Please enter a valid down payment amount.

Current mortgage balance

Please enter your current mortgage balance using valid characters.

Current value of your home

Please enter the current value of your home using valid characters.

Current mortgage balance

Please enter your current mortgage balance using valid characters.

Funds required

Please enter a valid amount for the funds you require.

Personal Information

Save time by using your CIBC Online Banking credentials.

Online Banking

Card number

Delete this card

Sign on with a different card

Card number

Remember my card number

Password

(Case-sensitive)

Electronic Access Agreement

The CIBC Online Security Guarantee

Registered CIBC Online Banking clients can use their Online Banking credentials (card number and password) to pre-fill parts of the application.

Why do you need my Online Banking credentials?

We are sorry...

You can continue with a non pre-filled application.

Select 'Non Pre-filled Application' if you want to proceed with your application.
Select 'Cancel Application' if you want to delete and close your application.

Please Identify Yourself

In order to protect your information we need to verify your identity before pre-filling your application.
Please answer your Personal Verification Questions below.
If you cancel, you will be able to continue but your application will not be pre-filled.

Personal Verification Questions

Question:

Answer:

Online Banking

You have the option to create a description for your saved card number. Card descriptions can be up to 25 characters long, using any combination of letters and numbers. The description will appear on the Sign On page with your card number the next time you sign on.
If you prefer not to enter a description for your card, select Continue to proceed to Online Banking.

Card Description

(optional)

Important: Do not use your password as your card description.

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We've filled out part of this form for you, but you aren't signed on to Online Banking. Changing any of your personal information in this form will not change the information we have on record.

To add or update any personal information and settings, sign on to Online Banking.

First name

Please enter a valid first name.

Last name

Please enter a valid last name.

Home address

Note that we need your home address, not a P.O. Box number. If you wish to add a mailing address, please call 1-888-872-2422 or visit your local branch.

Your street name and number must be entered into this field.

Enter a street name to continue. Please note that you cannot enter a P.O. Box as part of your home address.

Unit

(optional)

Please enter a valid unit number.

City

Please enter a valid city name.

Province

Please select your province from the list.

Postal code

Please enter a valid Canadian postal code. If you do not have a Canadian postal code, visit a CIBC branch to apply.

Telephone

Please enter your 10-digit phone number using valid characters only.

Alternate telephone

(optional)

Please enter a valid telephone number.

Best time to call

Eastern time, Monday to Friday

From the list, please select the best time to contact you.

Gross annual household income

Please enter a valid gross annual household income amount.

Additional Information

Have you declared bankruptcy in the last 7 years?

Yes

Please select whether you have declared bankruptcy in the last 7 years.

Are you applying with a joint applicant?

Yes

Please indicate whether you are applying with a joint applicant.

First name

Please enter a valid first name.

Last name

Please enter a valid last name.

Your personal information will be handled in accordance with CIBC’s privacy policy. This policy includes:

The key purposes for which CIBC handles your information
The types of information we handle
Who we may share your information with (they may be outside of your province or Canada)
Your privacy rights and choices, such as your right to withdraw consent for marketing communications, including customized marketing and offers from CIBC and trusted partners

By selecting “submit,” you agree to CIBC handling your personal information as described in CIBC’s privacy policy, and confirm you understand your privacy choices.

Press escape to close the overlay.

Are you sure you want to cancel this application?

To apply by telephone, please call us at 1-800-669-5921.

Monday to Friday

8:00 am to 9:00 pm ET

Saturday

9:00 am to 5:00 pm ET

Cancel Application

×Close.

Apply by phone

1-800-669-5921 Opens your phone app.

Monday to Friday

8:00 am to 9:00 pm ET

Saturday

9:00 am to 5:00 pm ET

Frequently Asked Questions

What do I need to qualify for a CIBC mortgage?

To qualify for a mortgage, the property must meet certain eligibility requirements and must be:

Located in a built-up area with municipal services such as water, sewer and hydro
Structurally sound, have good plumbing, central heating and wiring that meets municipal standards

You must also meet certain income and employment requirements. You must have:

Documentation confirming your income and employment
A realistic equity in the property and a level of income sufficient to meet the mortgage payments
A 5% down payment

The minimum mortgage amount CIBC offers is $10,000. A guarantor may be required for any mortgage if the applicant is unable to meet the lending criteria. For more information on the amount you can borrow, try our What You Can Afford Calculator Opens a new window..

CIBC mortgages are available for new and existing residential properties that range from detached single-family dwellings to 4-unit dwellings and individual condo units throughout Canada.

Mortgages from CIBC can be applied to the purchase of property, mortgage transfers from other financial institutions, renewals, refinances, ports and assumptions. Conditions apply to each of these mortgages.

How do I transfer my mortgage to CIBC?

You choose the mortgage, and we'll contact your current financial institution to complete the paperwork. It's fast, easy and hassle-free.

Step 1

Fill out a Mortgage application Opens a new window., then we'll contact you within 1 day.

Step 2

Complete a form to move your mortgage to CIBC

Step 3.

Provide the required documents.

Does CIBC have a mortgage calculator?

Yes, CIBC has several online tools and calculators to help you with the mortgage process:

Home equity calculator Opens a new window.
Mortgage affordability calculator
Mortgage payment calculator Opens a new window.
Mortgage prepayment calculator
Mortgage selector Opens a new window.
Rent vs. own calculator Opens a new window.

For more information about CIBC mortgages and related products, go to CIBC mortgages.

What is the difference between my mortgage amortization and my mortgage term?

The amortization period for your mortgage is the estimated number of years it will take you to pay off your mortgage. Amortization periods are often 15, 20, or 25 years long.

A mortgage is usually amortized over a long period, with a shorter term applied at intervals you can set (typically 6 months to 5 years). Your term is your current contract to pay your mortgage under the terms you’ve negotiated with your lender. After the term expires, the interest rate can be renegotiated.

How do I find a CIBC Mortgage Advisor?

To find a CIBC Mobile Mortgage Advisor in your area, you can use the Mobile Mortgage Advisor Locator Opens a new window..

Search by entering your city, province or postal code, or search by languages spoken using the dropdown menu.

Once you select a Mobile Mortgage Advisor from the generated list, you can view their profile, request a phone call or send them an email.