How Can Citadel Mortgages Help You Today?

Our Featured Rates

5-year fixed

1.97%

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

5-year variable

1.78%

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

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

What Mortgage Rate Is Best For Me

  • Get a locked in, competitive rate.

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)

1.97%

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

1.98%

  • Get a lower rate that changes with the market.

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

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

1.78%

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

1.79%

  • Learn How to become mortgage free 7-8 years sooner today!

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 

2.49%

HELOC RATE

3.05%

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 Word Elite Rewards Card is an exclusive member-only rewards program, unlike anything ever seen in the mortgage industry.

Citadel Career Transition - Citadel Mortgages

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

Social Awarenece - Citadel Mortgages

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!

Citadel Mortgages

Rebuild Your Credit Today

Everyone goes through financial trouble and sometimes we need to rebuild our credit, learn how our partnership with Refresh Financial can help you rebuild your credit to get a better mortgage rate today!

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 Partners

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!

Your Journey Products

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Our AffiliateS

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Copyright © 2018 Citadel Mortgages  Lic # 12993, 30 ST Patrick Street 4th Floor, Toronto, Ontario M5T 3A3

All rights reserved

“Instant Approval, Conditional Approval, Pre-Approval” – Borrower subject to credit and underwriting approval. Not all borrowers will be approved for conventional financing or equity financing. Receipt of borrower’s application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, Annual APR is subject to approval and underwriting, APR includes all fees and rate which is calculated on a yearly term. APR varies contact us for current rates or more information on a specific product. OAC*

®™ Trademarks of AM Royalties Limited Partnership used under license by LoyaltyOne, Co. and Citadel Mortgages

  1. In order to receive upto 1,000 Miles you must be a registered and provide a valid AIR MILES Collector Number to the Citadel Mortgage agent at the time of application; your mortgage must close and fund with Citadel Morttgages. Miles will be credited to your Collector Account within 30 days after all conditions have been met.

2. All rewards are offered subject to the Terms and Conditions of the AIR MILES Reward Program, are subject to change and may be withdrawn without notice. To redeem for Travel and/or Merchandise Rewards, you must have accumulated sufficient AIR MILES Reward Miles in your Dream Balance. Some restrictions may apply. Quantities may be limited. Collectors must pay applicable surcharges, fees and taxes on air, hotel and car rental Rewards. Travel Rewards may be subject to a minimum advance booking and availability from participating Suppliers. Merchandise Rewards include all taxes, shipping and handling costs. No cancellations, exchange or refunds for tickets, certificates or merchandise once booked or ordered. Manufacturers’ warranties apply to merchandise Rewards. LoyaltyOne, Co. makes no representations or warranties, express or implied. For complete details, see current Program Terms and Conditions, available at airmiles.ca or the AIR MILES Customer Care Centre at 1-888 AIR MILES (or in Toronto call 416-226-5171).

3. Use Miles in the Cash balance of your AIR MILES Collector Account in-store in increments of 95 Cash Miles for $10 towards purchases at participating AIR MILES Partner locations and online at airmiles.ca/cash in increments of 95 Cash Miles for every $10 value from participating Reward Partners to a maximum of $750 per day. eVouchers can be used at participating Reward Partners’ locations in Canada only. See specific eVoucher reward page for details and any restrictions. Visit airmiles.ca/cash to learn more. You must have accumulated sufficient Cash Miles in your Collector Account in order to use Miles towards in-store purchases and eVouchers. All Rewards offered are subject to the Terms and Conditions of the AIR MILES Reward Program, are subject to change and may be withdrawn without notice. For complete details, visit airmiles.ca.

4. A short haul flight is a return flight with origin and destination within the same flight zone having a departure date during low season of January 8 – February 28; April 1 – May 31; September 16 – December 15.

5. Flight examples shown are for illustrative purposes only. Examples represent the number of AIR MILES Reward Miles required during low season of January 8 – February 28; April 1 – May 31; September 16 – December 15. The required number of Miles is determined by the departure date. Miles required are the “starting from” rates for round-trip travel in economy class per traveller.

6. Mortgage applications are subject to meeting Citadel Mortgages and our lenders usual credit criteria.

7. All mortgages must close and fund with Citadel Mortgages, this offer is vaiild with any new or renewal mortgage and offer can change at any time without notice.

8. AIR MILES® Bonus Miles are suject to a closed mortgage that fund with Citadel Mortgages. The AIR MILES® Bonus Miles will be added to the account 30 days after mortgage closes,.

Please note all terms and conditions can change at anytime.

Trademarks of AIR MILES International trading B.V. Used under license by LoyaltyOne, Co. and Citadel Mortgages

You agree to these terms and conditions.

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