2022 Citadel Mortgages Awards 2022

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How Can Citadel Mortgages Help You Today?

Our Featured Rates

5-year fixed

4.49%

( High Ratio – Less then 20% Down-payment)

5-year variable

4.25%

( High Ratio – Less then 20% Down-payment)

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Often during your mortgage journey, you will run into bank specialists and other mortgage agents or brokers that will tell you what you want to hear, so you give them the documents required to get your approval. While we understand you as a client want to hear you will get the lowest rate, please be aware that unless any mortgage broker or bank specialist has been given all the required documents and has fully underwritten your file, any rates offered are just quotes and not firm approval. Many times we find clients have been told what they want to hear because either the client has forced the mortgage broker or bank specialist to say to them the lowest rate, or they have just been told that to try and make the deal more effortless, but only to get to closing day to have the lender pull out of the deal!

Imagine you are at the lawyers to find out your deal was not approved because of something they found in your file; this happens often. This is why we ask for all the required documents upfront at Citadel Mortgages to ensure things like this do not happen at closing. We understand not all clients want to follow our award-winning process, which is OK with us; it just means we can not work together.

As an award-winning national brokerage across Canada, we have been featured in the National Post, Financial Post, Toronto Sun, Ottawa Citizen, CMP Mortgage and many more. So, what type of experience do you wish to have? One where you hear what you want only to have issues maybe later or the latter where we are honest and only provide you with the correct information once your apporved? 

We ask you to trust our award-winning process and allow us to collect all the documents so we can help you in your mortgage journey!

Don’t believe us read our client reviews and read our national articles as we offer the best service and mortgage rates for your mortgage journey!

We'll help you find a rate and term that fits your needs.

BEST MORTGAGE RATES CANADA

What Mortgage Rate Is Best For Me

Ideal if you want protection against interest rate increases or have a fixed payment over the term of your mortgage.

5 YEAR FIXED HIGH RATIO RATE ( UP TO 95% LTV)

4.49%

5 YEAR FIXED REFINANCED RATE

( UP TO 80% LTV)

5.29%

Ideal if you want to save money if interest rates go down.

5 YEAR VARIABLE HIGH RATIO RATE ( UP TO 95% LTV)

4.25%

5 YEAR VARIABLE REFINANCED RATE ( UP TO 80% LTV)

4.75%

Combine a mortgage with a home equity line of credit to pay your mortgage off faster, while having a readvacable line of credit to use in the future!

5 YEAR FIXED RATE 

4.99%

HELOC RATE

5.95%

Receive up to 1,000 Air Miles Reward Miles

Receive up to $2,500 cash back

*Some conditions apply, mortgage must close.

Beat My Rate

If you’ve found a rate that you think is great, give us a chance to make it even better. Click the button below to get started and we will make sure one of our mortgage agents reviews your offer and ensures your offer is the best on the market. Our goal is to either beat your rate with the same or better features or confirm your offer is the best offer in market for you. One of our mortgage agents will contact you within 24 business hours to tell you if there is a better deal and how to get the best terms and rates!

Citadel Mortgage Programs

Citadel Mortgages Rewards Card

EXCLUSIVE CITADEL WORLD ELITE REWARDS CARD

Welcome to the family, a gift from our family to yours. The Citadel World Elite Rewards Card is an exclusive member-only rewards program unlike anything ever seen in the mortgage industry.

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CAREER TRANSITION PROGRAM

HELPING BORROWERS GET BACK ON TRACK Sometimes job loss can happen without warning. The Citadel Mortgages Career Transition Program is here to support you through this difficult time.

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The Citadel Mortgage Social Awareness Program

Citadel Mortgages believes in supporting our community and the people that need our support. That is why once your mortgage closes, we will make a donation to a charity or foundation on your behalf of your choice and plant a tree that you name!

OUR TRUSTED LENDER PARTNERS

Find out how much home you can afford

See how you can save and become mortgage-free sooner

Calculate how much you’d spend each month to buy a home or renew or refinance your mortgage.

Start thinking about how much you spend each month, create a budget, and start saving up for your home.

Citadel Mortgages

Home and Auto Insurance

When was the last time you got a second opinion on your home insurance? Apply now for a no-obligation quote and save today!

Citadel Mortgages

High Interest Personal & Business Banking Accounts

Open a high-interest Account for your everyday banking needs. You’ll enjoy great features, plenty of flexibility -- and an exceptional rate on all your money!

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Build, Learn & Boost Your Credit Score

Learn how our partnership with Marble Financial can help you with free credit tools powered by MyMarble to set goals and jump-start your credit score, lower your debt and create cash flow and get the best mortgage rates with Citadel Mortgages and MyMarble.

Find A Citadel Mortgage Agent Near You

Mobile Mortgage Agent Search

Speak to a Citadel Mortgage Mobile Mortgage Agent by phone or video, send your paperwork and sign your documents electronically.

Our Awards

2022 Citadel Mortgages Awards 2022

Client Success Stories

Our clients always come first. Our goal is to help you get the best advice and mortgage solutions for your needs. Citadel Mortgages was formed to help you achieve your financial home success so allow us to help you today. Speak to one of our mortgage agents today!

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