Simplii Financial mortgage rates in Calgary
Simplii Financial's lowest 5-year fixed rate on its own site was 5.34% when we read it on Nov 2, 2026. Its posted 5-year rate was 6.49%. The lowest comparable rate from any lender that lends in Alberta was 4.59% (ATB Financial). Simplii Financial publishes the same rates across Canada.
| Term | Lowest special / advertised | Posted | Monthly at special | Monthly at posted |
|---|---|---|---|---|
| 2-year | 4.84% | 5.24% | $3,292.05 | $3,423.22 |
| 3-year | 5.09% | 6.14% | $3,373.75 | $3,726.87 |
| 4-year | 5.24% | 6.19% | $3,423.22 | $3,744.08 |
| 5-year | 5.34% | 6.49% | $3,456.38 | $3,848.00 |
| 7-year | — | 6.30% | — | $3,782.04 |
| 10-year | — | 6.79% | — | $3,953.12 |
Every Simplii Financial rate we collected
| Term | Type | Insured | Kind | Rate | Fine print | Source |
|---|---|---|---|---|---|---|
| 2-year | Fixed | Not split | special | 4.84% APR 4.86% | Special rate. | page as of Nov 2, 2026 |
| 2-year | Fixed | Not split | posted | 5.24% | page as of Nov 2, 2026 | |
| 3-year | Fixed | Not split | special | 5.09% APR 5.11% | Special rate. | page as of Nov 2, 2026 |
| 3-year | Fixed | Not split | posted | 6.14% | page as of Nov 2, 2026 | |
| 4-year | Fixed | Not split | special | 5.24% APR 5.26% | Special rate. | page as of Nov 2, 2026 |
| 4-year | Fixed | Not split | posted | 6.19% | page as of Nov 2, 2026 | |
| 5-year | Variable | Not split | special | 4.45% APR 4.47% | Special rate. | page as of Nov 2, 2026 |
| 5-year | Variable | Not split | posted | 4.70% | Variable-rate mortgage, posted. | page as of Nov 2, 2026 |
| 5-year | Fixed | Not split | special | 5.34% APR 5.36% | Special rate. | page as of Nov 2, 2026 |
| 5-year | Fixed | Not split | posted | 6.49% | page as of Nov 2, 2026 | |
| 7-year | Fixed | Not split | posted | 6.30% | page as of Nov 2, 2026 | |
| 10-year | Fixed | Not split | posted | 6.79% | page as of Nov 2, 2026 |
Highlighted rows are the lowest special or advertised rate for that term and type among the rows shown. * = the lender's own prime rate plus its stated spread. Collected Nov 2, 2026; check the lender's page before relying on any rate.
Prepayment and penalties
We didn't find Simplii Financial's penalty method on the pages we read; it's in your mortgage contract.
In Alberta
Simplii Financial lends across Canada.
Prime rate 4.70% as stated on its site (as of Nov 2, 2026).
Simplii (a CIBC subsidiary) uses CIBC's prime rate; it publishes special and posted rates.
CalgaryMortgageRates.com isn't affiliated with Simplii Financial and isn't paid by any lender.
| Home | $718,500City of Calgary median detached assessment |
|---|---|
| Mortgage | $575,00020% down |
| Simplii Financial 5-yr fixed | 5.34% |
| Monthly payment | $3,456.38 |
| At the lowest Alberta rate (ATB Financial) | $3,211.30 |
| Interest over 5 years | $143,979 |
Frequently asked questions
What is Simplii Financial's 5-year mortgage rate in Calgary?
On Nov 2, 2026 Simplii Financial's own site showed 5.34% for a 5-year fixed (not split by down payment) and a posted 5-year rate of 6.49%. It publishes the same rates across Canada.
What is Simplii Financial's variable rate?
4.45% for a 5-year term, with Simplii Financial's prime at 4.70%.