Today’s Mortgage Rates updated as of October 20, 2025 11:05 am
5-year fixed*
5-year Variable*
*Insured loans. Other conditions apply. Rate in effect as of today.
At Citadel Mortgages, we pride ourselves on offering some of the most competitive mortgage rates in Canada. As a leading mortgage brokerage, we have access to a vast network of lenders, including banks, credit unions, and private lenders. This allows us to tailor mortgage solutions that meet your financial goals while saving you thousands in interest.
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 Canadian 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).
Compare Citadel Mortgages rates to other top lenders to ensure you’re getting the best deal. Contact us to explore all your options.
Learn more about today’s best mortgage rates in Canada.
Access to Top Lenders
Tailored Mortgage Solutions
Transparent Process
Innovative Products
Wide Range of Products
It is important to note that Prime rates change when the Bank of Canada raises or lowers its overnight rate.
Explore All Mortgage Solutions
| Feature | Fixed Rate | Variable Rate |
|---|---|---|
| Interest Rate Stability | Remains constant | Fluctuates with the market |
| Payment Predictability | Fixed monthly payments | May change based on market rates |
| Risk Level | Low | Moderate to high |
| Ideal For | Long-term planners | Risk-tolerant borrowers |
To apply for a mortgage, you’ll need the following:
Yes Citadel Mortgages rates tend to be lower than most other mortgage lenders and banks.
Citadel Mortgages online applications make it easy to apply for a mortgage. You’ll need the following information to complete the process:
A Citadel Mortgage broker will contact you within 24 hours to review your application and discuss the next steps of the application process.
Yes, we offer cashback options to help cover closing costs, renovations, or other expenses.
Access to Competitive Rates
Tailored Mortgage Solutions
Exclusive Products
Comprehensive Financial Services
Cross-Border Expertise
Fast Approvals
Educational Resources
Nationwide Reach
Digital-First Approach May Not Suit Everyone
Stringent Qualification for Best Rates
Specialized Focus
Dependence on Third-Party Lenders
Founded with the vision of empowering Canadians to achieve their homeownership dreams, Citadel Mortgages has grown into one of Canada’s most trusted mortgage brokerages. By offering tailored mortgage solutions and access to a wide network of lenders, Citadel Mortgages has positioned itself as a leader in the mortgage industry.
Citadel Mortgages’ unique combination of competitive rates, personalized service, and innovative products has helped it become a top choice for Canadian homeowners. By prioritizing customer education and providing comprehensive tools, Citadel empowers its clients to make informed financial decisions.
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.
(5-years interest savings with Citadel Mortgages)**
(Interest savings with Citadel Mortgages)
(5-years interest savings with Citadel Mortgages)**
(Interest savings with Citadel Mortgages)
Citadel Mortgages operates an information-based website that displays mortgage rates from its partners. While the company strives to provide the best possible rates, it cannot guarantee their accuracy at all times. Therefore, Citadel Mortgages accepts no liability for the precision of the information presented and is not accountable for any damages resulting from its use. Terms and conditions apply, and it is necessary to speak with a mortgage broker for further details. Please note that the rates displayed in this article are for article use only.
Citadel Mortgages is committed to providing Canadians with competitive mortgage rates and unparalleled customer service.
At Citadel Mortgages, we specialize in helping Canadians navigate the complexities of mortgage rates and terms. Whether you’re looking for a 6-month fixed rate, a 5-year variable, or something in between, our team is here to provide personalized guidance and access to the best rates in Canada.
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.
Discover how much cash back you could receive with our Cash Back Mortgage Calculator.