Today’s Mortgage Rates updated as of April 15, 2026 9:18 am
5-year fixed*
5-year Variable*
*Insured mortgage rates only. Conditions apply. Rates are current as of today and subject to change without notice. Applicable to high-ratio purchase and renewal transactions with loan-to-value (LTV) ratios greater than 80.01% and up to 95%. Certain programs may also be available for insured files at 65% LTV and below, subject to insurer and lender guidelines on OAC.
Canadian mortgage brokerage serving clients nationwide
Education-first, strategy-driven approach
Licensed, regulated, and client-focused
Access to banks, credit unions, and alternative lenders
Today’s Mortgage Rates updated as of April 15, 2026 9:18 am
Citadel Mortgages is a Canadian mortgage brokerage focused on education, transparency, and long-term mortgage planning. We help individuals, families, and investors navigate mortgage decisions with clarity — not pressure.
Our role is simple: explain mortgage options clearly, outline risks honestly, and help clients choose solutions that align with their financial goals both today and in the future.
When it comes to your mortgage, you deserve the best. At Citadel Mortgages, we offer:
This integrated approach allows us to deliver a seamless experience that supports every aspect of your financial well-being.
Learn more about today’s best mortgage rates in Canada.
At Citadel Mortgages, our goal is to empower Canadians by providing access to affordable, flexible, and innovative mortgage and financial solutions. Whether you’re purchasing your first home, leveraging your equity, planning for retirement, or seeking cross-border opportunities, we’re here to help you every step of the way.
Whether you’re a first-time homebuyer, refinancing, or renewing your mortgage, understanding current trends and available options helps you make informed financial decisions.
This guide focuses on helping you navigate the Ontario mortgage market, offering insights into current rates, strategies for securing the best deal, and regional trends.
Mortgage brokers play a pivotal role in helping Canadians find tailored financing options, providing expert advice, and navigating the often complex mortgage market.
For more detailed information on mortgage types, costs, and rights, consult the Government of Canada – Financial Consumer Agency of Canada (FCAC).
At Citadel Mortgages, we believe the best mortgage decisions are made when clients fully understand their options.
Instead of focusing solely on rates, we take the time to explain:
How different mortgage terms work
The risks and trade-offs of fixed vs variable rates
Renewal and penalty considerations
Long-term impacts of mortgage structure
Every borrower’s situation is unique. Our job is to help clients make informed decisions — not to push one-size-fits-all solutions.
Citadel Mortgages works with a wide range of Canadian lenders, including major banks, credit unions, and alternative lenders. This allows us to support clients across many scenarios, from straightforward purchases to more complex financing needs.
We regularly assist clients with:
Home purchases
Mortgage renewals
Refinancing and equity access
Fixed and variable rate strategies
Short-term and long-term mortgage planning
Our focus is on clear explanations and responsible advice, so clients understand not just what they’re signing — but why.
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. Let us simplify the process and help you secure approval quickly and stress-free!
Citadel Mortgages’ whole client-first model was built around what is Called “Your Mortgage Journey.” See each client mortgage is a journey and Citadel Mortgages ensures this journey is mapped out with all steps and actions along the way. Citadel Mortgages clients love this client-first model as it allows them to quickly fix any issues that may prevent them from achieving their mortgage goals.
FACT: 70% of Canadians break their mortgage 3.67 into their 5-year term. Citadel Mortgages’ goal is to help educate you on mortgage facts and find the best mortgage solution and rate for your mortgage needs. So ask yourself what good is a fantastic rate if you’re breaking early and getting hit with a significant break fee?
With our “Beat Your Rate Program,” you can be assured that your mortgage needs will be taken care of with the best possible rate, and with our All, In One Mortgage Program, you can be assured we will put more money in your pocket while becoming mortgage-free sooner.
So, if you have any home financing need regardless of credit or transaction type our experience, client-first focus, and our great lender connections, you can be ensured that your mortgage needs will be taken care of with the best possible rate, terms, and service that will keep having you come back to us for all your future mortgage needs.
Citadel Mortgages operates as a licensed Canadian mortgage brokerage and follows all applicable provincial regulations and consumer protection standards.
Mortgage brokers in Canada are regulated to promote transparency, ethical conduct, and consumer protection. We take this responsibility seriously and are committed to acting in our clients’ best interests through proper disclosure, documentation, and professional guidance.
For general information about mortgage consumer protections in Canada, visit the Financial Consumer Agency of Canada.
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!
Today’s Mortgage Rates updated as of April 15, 2026 9:18 am
When you’re ready to start your mortgage journey, having the right documents will speed up the process. Here’s what you’ll need:
A mortgage is not just a loan — it’s a long-term financial commitment.
That’s why our support doesn’t end once a mortgage is funded. We help clients:
Understand renewal timelines
Monitor changing interest-rate environments
Reassess mortgage strategy when life changes
Some clients may also explore structured mortgage solutions that combine borrowing and equity planning, depending on their goals and risk tolerance.
At Citadel Mortgages, we’re committed to helping Canadians achieve their financial dreams. With our industry-leading mortgage rates, comprehensive financial services through Citadel Financial Wealth Group, and cross-border solutions via Simply Approved Mortgages, we offer a holistic approach to support every aspect of your financial journey. Contact us today to learn how we can help you secure the best mortgage solution and build a brighter financial future.