Exclusive offer

Get up to $4,500 cash back on a select CIBC mortgage^†

When you buy your first home or purchase a new home.

Get started

Limited time offer: Thinking about switching your mortgage? Check out our offer. Learn more about the CIBC mortgage switch offer.

How much cash back can I get?

Depending on how much you borrow, you could get up to $4,500 cash back on a select CIBC mortgage.

Amount you borrow

Minimum amount: $100,000. Maximum amount: $1,250,000. Amount will round to the nearest $50,000.

Your cash back

Cash back slider. Minimum amount: $100,000. Maximum amount: $1,250,000. Amount will round to the nearest $50,000. Enter or move the slider to the value. Use left and right or down and up arrow keys to decrease or increase the value by $50,000; Page Up and Page down to decrease or increase the value by $50,000. Use home and end keys to reach the minimum and maximum values.

Your cash back

How to qualify for cash back

Apply for your mortgage by November 1, 2026.

Your mortgage loan must be funded within 120 days of your application.

Set up and make payments from a new or existing personal CIBC chequing account.

Meet your homeownership dreams

Get a quick, personalized mortgage estimate today

Answer a few questions, and receive your custom mortgage estimate in minutes. After receiving your estimate, one of our dedicated mortgage advisors will support your homeownership journey. We offer flexible down payment options and tailored solutions to help you achieve your mortgage goals — no matter your financial situation.

Get started

Our featured rates

Available for new mortgages only

3-year fixed

RDS%rate[5].FRCM.Published(3_null_null_Years_T,null,18,null)(#O2#)%
APR RDS%rate[5].FRCM.Published(3_null_null_Years_T,null,2,null)(#O2#)%^††

5-year variable

RDS%rate[5].5YRVARCLO.Published(5_null_null_Years_T,null,18,null)(#O2#)%

APR RDS%rate[5].5YRVARCLO.Published(5_null_null_Years_T,null,2,null)(#O2#)%^††

5-year fixed high ratio

RDS%rate[5].MICRO.Published(5_null_null_Years_T,null,18,null)(#O2#)%
APR RDS%rate[5].MICRO.Published(5_null_null_Years_T,null,2,null)(#O2#)%^††

Explore all mortgage rates

Explore our resources

Mortgage payment calculator Opens a new window.

Calculate how much your mortgage payments will be.

Mortgage affordability calculator Opens in a new window.

Calculate how much you can afford to help find a home that fits your budget.

Find a mortgage advisor Opens a new window.

We’ll connect you with a nearby advisor and help you get the mortgage advice you need.

Protect your mortgage with Creditor Insurance¹

Learn about the different coverages available to you that can help safeguard your home and financial well-being.

Mortgage Life Insurance for CIBC Mortgages

This Insurance can help pay off or pay down your mortgage balance if you were to pass away. It can help ensure that your family continues to stay in the home.

Mortgage Critical Illness Insurance for CIBC Mortgages

This insurance can help pay off or pay down your Mortgage balance in the event of a covered cancer, heart attack, stroke, or if you undergo coronary artery bypass surgery, so that you can concentrate on your recovery.

Mortgage Disability Insurance Plus — Disability and Job Loss

This Insurance helps with your Mortgage payments if a disability prevents you from working or when you lose a job through no fault of your own. It helps you manage your financial responsibilities so you can concentrate on your recovery or while you are looking for your next job.

Mortgage Disability Insurance

This Insurance can help you with your mortgage payments if a disability prevents you from working. It can help you manage one of your biggest financial responsibilities so you can focus on your recovery.

Life Insurance

Critical Illness Insurance

Disability Insurance Plus

Disability Insurance

Ask us how to protect your mortgage.

Get cash back on your mortgage^†

Get started

Mortgage Offer

^† Offer available for mortgage loans for first-time home buyers, mortgage loans for new purchases, or mortgage loans that are transferred to CIBC from another financial institution, except where referred by a mortgage broker. Offer not available for Simplii or FirstLine Mortgages. To qualify for this offer, you must apply for a CIBC mortgage loan between July 30, 2026 and November 1, 2026 and the mortgage loan must be funded within 120 days of the application date.

Your mortgage loan must have a principal amount of $100,000 or more, and be either a CIBC Fixed-Rate Closed Mortgage loan with a term of 3 years or more, or a 5-year CIBC Variable Flex Mortgage loan. This offer is limited to owner-occupied residential properties only. Commercial/investment properties, and properties not owner-occupied are excluded. A personal CIBC chequing account is required to make pre-authorized mortgage payments.

For mortgage loans for first-time home buyers or mortgage loans for new purchase, qualifying clients will receive:

$4,500 on a mortgage loan amount of $1,250,000 or more;
$3,500 on a mortgage loan amount of $1,000,000 to $1,249,999;
$2,500 on a mortgage loan of $750,000 to $999,999;
$2,000 on a mortgage loan of $500,000 to $749,999;
$1,000 on a mortgage loan of $300,000 to $499,999;
$500 on a mortgage loan of $100,000 to $299,999.

For mortgage loans that are transferred to CIBC from another financial institution, qualifying clients will receive:

$5,500 on a mortgage loan amount of $1,250,000 or more;
$4,500 on a mortgage loan amount of $1,000,000 to $1,249,999;
$3,500 on a mortgage loan of $750,000 to $999,999;
$2,000 on a mortgage loan of $500,000 to $749,999;
$1,500 on a mortgage loan of $300,000 to $499,999;
$1,000 on a mortgage loan of $100,000 to $299,999.

Cash back will be deposited in the personal CIBC chequing account 6 to 8 weeks after mortgage funding.

Other conditions and restrictions apply. Ask us for details. Offer ends November 1, 2026. Offer subject to credit approval and may be changed or withdrawn at any time, without notice.

If you have an eligible high ratio mortgage, you may also qualify for a special low rate. Talk to us to find out how.

If your down payment is less than 20% of the property value, your mortgage is high-ratio.

^†† Special offers apply only to new mortgages of owner-occupied properties with an amortization of 25 years or less. Annual Percentage Rate (APR) is based on a new $275,000 mortgage for the applicable term and a 25-year amortization assuming a Property Valuation Fee of $300. Rates shown for the applicable term are CIBC’s special discounted rates and are not posted rates of CIBC. Offer may be changed, withdrawn or extended at any time, without notice.

APR means the cost of borrowing for a loan expressed as an interest rate. It includes all interest and non-interest charges associated with the mortgage. If there are no non-interest charges, the annual interest rate and APR will be the same.

¹ Creditor Insurance for CIBC Mortgages is optional creditor’s group insurance underwritten by The Canada Life Assurance Company and administered by Canada Life and CIBC. For more information on Creditor Insurance on CIBC Mortgages, you may contact the The Canada Life Assurance Company at 1-800-387-4495 Opens your phone app. or by visiting Canada Life Opens in a new window.. This insurance is subject to eligibility conditions, limitations and exclusions (which are circumstances when benefits are limited or not paid) which may be viewed at cibc.com Opens in a new window. and are described in the Certificate(s) of Insurance you receive upon enrolment. This is a general description only. Products and their features may change at any time.

Trademarks Opens in a new window.

Get up to $4,500 cash back on a select CIBC mortgage†

How much cash back can I get?

How to qualify for cash back

Meet your homeownership dreams

Our featured rates

Explore our resources

Mortgage payment calculator Opens a new window.

Mortgage affordability calculator Opens in a new window.

Find a mortgage advisor Opens a new window.

Protect your mortgage with Creditor Insurance1

Life Insurance

Critical Illness Insurance

Disability Insurance Plus

Disability Insurance

Mortgage Life Insurance for CIBC Mortgages

Mortgage Critical Illness Insurance for CIBC Mortgages

Mortgage Disability Insurance Plus — Disability and Job Loss

Mortgage Disability Insurance

Life Insurance

Mortgage Life Insurance for CIBC Mortgages

Critical Illness Insurance

Mortgage Critical Illness Insurance for CIBC Mortgages

Disability Insurance Plus

Mortgage Disability Insurance Plus — Disability and Job Loss

Disability Insurance

Mortgage Disability Insurance

Get up to $4,500 cash back on a select CIBC mortgage^†

Protect your mortgage with Creditor Insurance¹