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Citadel Mortgages | Your Partner in Finding the Best Mortgage Solutions

Find the Best Mortgage Rates in Canada

Today’s Mortgage Rates updated as of December 12, 2024 9:35 pm

For a property located in

5-year fixed*

4.29

5-year Variable*

5.40

(Prime -1.15%)

*Insured loans. Other conditions apply. Rate in effect as of today.

Our Awards Since 2018

Citadel Mortgages Awards 2024 - Best Mortgage Brokers Canada - Citadel Mortgages - Private Mortgage Rates - Private Mortgage Lenders - Private Mortgage Calculator - Second Mortgage Calculator - Second Mortgage

Featured On

The Best Mortgage Brokers in Canada

At Citadel Mortgages, we make homeownership simple. Whether you’re buying your first home, refinancing, or exploring investment opportunities, we offer tailored solutions to meet your needs. With access to Canada’s top lenders, innovative financial products, and expert guidance, we help you secure the best mortgage rates quickly and stress-free.

Unlock Our Limited-Time 6-Month Fixed Mortgage Rate

4.19

Lock in a 6-month fixed rate for unmatched stability and flexibility in today’s ever-changing market. Enjoy peace of mind now, with the freedom to explore even better mortgage options down the road. Your perfect rate starts here!

SOME OF THE BEST MORTGAGE RATES CANADA

Our Featured Rates

Discover the average savings of current Citadel Mortgage clients when they choose Citadel Mortgages over the top banks!

While 33% of non-homeowners believe they’ll never own*, our Citadel mortgage brokers are 100% confident they can make it happen. How? With our expert advice and guidance.

$300,000
Mortgage Loan

$12,414

(5-years interest savings with Citadel Mortgages)**

$232/month

(Interest savings with Citadel Mortgages)

$500,000
Mortgage Loan

$17,090

(5-years interest savings with Citadel Mortgages)**

$290/month

(Interest savings with Citadel Mortgages)

Why Choose Citadel Mortgages?

1. Expert Guidance Every Step of the Way

With over a decade of experience, our mortgage brokers are dedicated to simplifying the mortgage process and securing the best solutions for your financial goals.

2. Access to Canada’s Best Rates

We compare mortgage rates from top lenders, including BMO mortgage rates, CIBC mortgage rates, RBC mortgage rates, TD Bank Mortgage Rates, and MCAP mortgage rates, alongside our exclusive Citadel Smart Home Plan mortgage rates.  Whether it’s a fixed-rate, variable-rate, or specialty mortgage, we’ve got you covered.Let us simplify the process and help you secure approval quickly and stress-free!

3. Comprehensive Services

We go beyond mortgages with:

Citadel Mortgages Awards 2024 - Best Mortgage Brokers Canada - Citadel Mortgages - Private Mortgage Rates - Private Mortgage Lenders - Private Mortgage Calculator - Second Mortgage Calculator - Second Mortgage

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.

Have you ever wondered why you have to provide more documents to a mortgage broker in Canada than to your own bank? It’s a common question asked by clients who are beginning their mortgage journey, and we have an answer for you.

Mortgage brokers are intermediaries who work with multiple lenders to find you the best deal for your mortgage. Unlike your bank, which has access to your financial information, mortgage brokers don’t have access to your financial history or any other information that might help them determine your creditworthiness.

Therefore, to obtain a mortgage from a lender, brokers need to gather as much information as possible about your financial situation. This includes details about your income, employment history, credit history, savings, assets, and debts. Gathering this information helps brokers to understand your financial capacity and identify the best lenders and products for you.

Moreover, lenders also require a thorough verification process to ensure the accuracy of the information provided by clients. In addition, they are required to follow strict regulatory guidelines to prevent money laundering and fraudulent activities. Therefore, brokers must obtain all required documents to present a complete and accurate application to the lenders.

In contrast, your bank has access to your financial information, and therefore, you don’t have to provide as much documentation. However, you might not always get the best deal from your bank since they are only offering their own products. Working with a mortgage broker gives you access to multiple lenders and products, increasing your chances of finding the best deal for your unique situation.

At Citadel Mortgages, we understand that providing so many documents can be overwhelming. However, we work hard to make the process as seamless as possible for you. Our award-winning process ensures that we collect all the required documents upfront, reducing the risk of any delays or issues during the mortgage process.

If you’re ready to start your mortgage journey, contact us today, and our team of experts will guide you through the process and help you find the best mortgage deal for you.

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!

The Citadel Mortgage Difference

When it comes to speed, transparent advice, and low mortgage rates, we excel. Discover how we compare to big banks and brokers in Canada.

Citadel-Mortgages-Difference-Best-Mortgage-Rates-Canada-1

Understanding the Citadel Advantage

1. Innovative Financial Products

2. Full-Service Financial Support

With Citadel Financial Wealth Group, we offer:

3. U.S. Mortgage & Real Estate Expertise

Through Simply Approved Mortgages, our licensed U.S. brokerage, we help Canadians invest in U.S. real estate.

Utilize our mortgage calculators to determine the home affordability that suits you best!

Become Mortgage Free Sooner

See how you can save and become mortgage-free sooner

Mortgage Payment Calculator

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

Cashback Mortgage Calculator

Discover how much cash back you could receive with our Cash Back Mortgage Calculator.

OUR TRUSTED LENDER PARTNERS

Explore Our Mortgage Products

Mortgages Tailored to Your Needs

We offer a wide range of mortgage solutions to meet every requirement:

  1. First-Time Homebuyer Mortgages

  2. Mortgage Refinancing

  3. Second Mortgages

  4. Reverse Mortgages

Explore Our Partner Products

Buying U.S. Properties as a Canadian - Canadians Buying Homes in the USA

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!

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High Interest Banking Accounts

Unlock a high-interest account tailored to your everyday banking needs. Experience great features, unparalleled flexibility, and exceptional rates on all your money!

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Better Mortgage Insurance That Makes Sense

Experience comprehensive protection with our Mortgage Insurance, offering full coverage including term life, critical illness, and disability coverage.

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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