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Citadel Smart Home Plan – Traditional Mortgages, HELOCs, B Lending & Private Mortgage Solutions

Find the Best Mortgage Rates The Citadel Smart Home Plan

Today’s Mortgage Rates updated as of September 6, 2025 7:57 pm

For a property located in

5-year fixed*

3.89

5-year Variable*

3.99

(Prime -1.15%)

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

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TL;DR

The Citadel Smart Home Plan is the smartest way to manage your mortgage in Canada. For AAA lending clients, we offer both:

  • A traditional mortgage with some of the lowest rates in Canada, OR

  • A mortgage + HELOC combo that helps you pay off your home faster.

For B lending clients, we provide solutions for self-employed borrowers, bruised credit, or higher debt servicing ratios.

For private lending clients, we offer 1st & 2nd mortgages up to 80% LTV, HELOCs in 1st or 2nd position, and a high-ratio 83% LTV private mortgage solution.

👉 Start today: Apply Now

What is the Citadel Smart Home Plan?

The Citadel Smart Home Plan combines traditional mortgages, flexible HELOCs, and new alternative lending options into one streamlined program. This allows Canadians to:

  • Pay down their mortgage faster

  • Access their home equity

  • Qualify for financing regardless of income or credit complexity

Unlike the banks, Citadel Mortgages offers A, B, and Private lending tiers—ensuring every client has a solution.

The Citadel Smart Home Plan is available to Canadians in Ontario, BC, Alberta, Saskatchewan, Manitoba, Nova Scotia, New Brunswick, PEI, and Newfoundland & Labrador.

Whether you’re a first-time homebuyer, refinancing, or renewing your mortgage, understanding current trends and available options helps you make informed financial decisions.

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 Smart Home Plan Mortgage Rates

Why the citadel smart home plan

About Citadel Mortgages

Founded in 2018, Citadel Mortgages began as a Canada-wide brokerage with a simple mission: help Canadians access some of the lowest mortgage rates in the country. Our first offering was our AAA low-rate product, designed for traditional borrowers who wanted a competitive mortgage without sacrificing flexibility and taking advantage of having good income and credit.

Fast forward to 2025, and Citadel Mortgages has grown into one of Canada’s leading mortgage brokerages with over 300 mortgage agents and brokers nationwide. Today, we’ve expanded far beyond traditional lending—bringing Canadians a complete range of mortgage solutions:

  • AAA Lending Products → Some of the lowest-rate mortgages with flexible features

  • AAA Lending Smart HELOC Products → Integrated with mortgages ( 2 in 1) to help Canadians become mortgage-free faster
  • B Lending Options → For self-employed borrowers, clients with bruised credit, or higher debt servicing ratios

  • Private Lending Solutions → 1st and 2nd mortgages up to 80% LTV, HELOCs in 1st or 2nd position, plus our high-ratio 83% LTV private mortgage solution

Our goal remains the same: empower Canadians on their mortgage journey, build generational wealth, and accelerate mortgage freedom.


About the Citadel Smart Home Plan

The Citadel Smart Home Plan reflects this evolution. It combines traditional lending with HELOC flexibility, B lending, and private lending, giving Canadians access to a full spectrum of options under one plan. Whether you’re a first-time buyer, upgrading to a second home, or investing in real estate, the Smart Home Plan provides tailored solutions at competitive rates.


Why Canadians Choose Citadel Mortgages

  • 📉 Lowest Mortgage Rates in Canada – Available coast to coast

  • 🔑 Flexible Lending – AAA, B, and Private solutions all under one roof

  • 🤝 Dedicated Client Support – A full customer service department focused on your experience

  • 📚 Generational Wealth Building – Guidance to help clients use mortgages as a financial tool, not just a loan

Unlike lenders who force clients into restrictive products with low prepayment privileges or “bona fide sale” clauses, Citadel Mortgages keeps clients in control. We balance low rates with critical features that support your long-term financial success.


Smart Options & Rates

  • Adjustable-rate mortgages

  • Fixed-rate mortgages

  • Competitive mortgage rates in Canada

  • Choice of payment frequencies

  • 15/15 prepayment privileges

  • Flexible property tax payment options

  • No Bona Fide Sale Clause

  • Programs for newcomers to Canada and second-home buyers

Whether you’re a first-time buyer, seasoned homeowner, or investor, the Citadel Smart Home Plan offers superior rates and features, while empowering you to take full control of your mortgage journey.

✨ Key Benefits of the Smart Home Plan

  • 🕒 Faster Mortgage Freedom – Pay off your home years sooner with HELOC flexibility.

  • 📉 Lowest Rates in Canada – Traditional mortgages for AAA clients.

  • 🔑 B Lending Options – For self-employed, bruised credit, or higher TDS borrowers.

  • 📈 Private Lending up to 83% LTV – For clients needing unique financing.

  • 💡 Transparent Process – Upfront rates, no hidden surprises.

Citadel Smart Home Plan Mortgage Options at a Glance

💳 Mortgage Options at a Glance

Lending TypeBest ForLTVRatesFeatures
AAA (Traditional)Strong credit, employed clientsUp to 95% (insured)Lowest in CanadaChoose between a traditional mortgage OR Mortgage + HELOC combo
B LendingSelf-employed, bruised credit, higher TDSUp to 80%CompetitiveFlexible underwriting, alternative approval paths
Private LendingUnique/complex dealsUp to 80% (or 83% HR solution)Higher1st & 2nd mortgages, HELOCs in 1st/2nd, high-ratio private lending

🚀 Citadel Mortgages Smart Home Plan Growth Timeline

Citadel Mortgages Growth Journey (2018 – 2025)

2018 – Launch of AAA Low-Rate Mortgages

Citadel Mortgages was founded with a mission to help Canadians access some of the lowest mortgage rates in the country, starting with our AAA traditional mortgage product.

2020 – Nationwide Expansion

Growing to over 200 agents across Canada, Citadel Mortgages established itself as a coast-to-coast brokerage network.

2023 – Introduction of the Citadel Smart Home Plan

We launched our innovative Smart Home Plan, combining mortgages with HELOCs to help Canadians pay off their homes faster and build wealth smarter.

2025 – Expanded Lending Solutions

Citadel Mortgages now proudly offers B lending options for self-employed and bruised credit clients, along with private lending solutions including 1st & 2nd mortgages up to 80% LTV, HELOCs in 1st or 2nd position, and a high-ratio private mortgage solution at 83% LTV.

We combine innovative technology with personalized service to secure the best mortgage for your needs and close with confidence.

Personalized mortgage options

Our team takes into account your property details and financial situation—whether you’re buying a home or refinancing—to design a mortgage solution that fits your budget and long-term goals. We evaluate factors such as:

  • Mortgage terms and features

  • Down payment options

  • Current and future interest rates

This ensures you’re not only approved but also positioned to create generational wealth and become mortgage-free sooner.

And because transparency matters, we provide a line-by-line cost breakdown of rates, fees, and closing costs—so you always know exactly what to expect.

Fast pre-approval

Pre-Qualify for Your Mortgage

Take the stress out of house hunting with a verified pre-approval. Our process is:

  • Fast – Complete in minutes, right from your phone

  • Accurate – 100% verified and lender-ready

  • 📄 Instant – Download your pre-approval letter immediately

Show up to open houses and bidding wars with confidence—your pre-approval gives you the edge over other buyers.

Transparency

Why We Collect All Documents Upfront

Too often, during the mortgage journey, clients are told what they want to hear by bank specialists or mortgage agents—promises of the “lowest rate” or “easy approval.” The reality is:

  • Unless your full file and documents are reviewed and underwritten, any “rate” you’re given is just a quote—not a firm approval.

  • Many clients discover this the hard way at closing, when a lender pulls out due to missing or inaccurate information.

At Citadel Mortgages, we protect you from that stress. Our award-winning process requires collecting all documents upfront, so we can provide honest, accurate approvals you can trust.

We know not every client wants to follow this process—and that’s okay. But if you choose us, you choose a brokerage that:

  • 🏆 Is recognized nationally (featured in the National Post, Financial Post, Toronto Sun, Ottawa Citizen, CMP Mortgage, and more).

  • ✅ Offers some of the lowest mortgage rates in Canada without sacrificing transparency.

  • 💬 Has hundreds of client reviews and success stories proving our process works.

So ask yourself: Do you want to hear what sounds good now, or do you want the peace of mind that your mortgage is truly approved?

Trust our process. Trust our team. Trust Citadel Mortgages to guide you home.

FAQs About the Citadel Smart Home Plan

How do I choose a Fixed Rate or a Variable Rate Mortgage Rate with the Citadel Smart Home Plan?

Deciding whether or not to go with a variable-mortgage rate or a fixed-rate mortgage is one of the most significant factors on how much interest you will pay. Due to the selection of Citadel Mortgages 5 year fixed mortgage rates, most Canadians choose to opt for the lowest 5 year fixed mortgage rates when they are low.  When you work with a Citadel Mortgage Agent we will break down the difference to show you a comparison.

As you decide between the lowest fixed mortgage rates and the applicable variable mortgage rates, you can work with Citadel Mortgages to simplify the process, as Citadel Mortgages is listed on main rate sites like Rate Spy, WOWA, Ratesdot.com and Rates4u.ca.

Yes—our B and private lending options are designed for clients with less-than-perfect credit.

B lending offers more flexible income/credit requirements. Private lending is for unique situations requiring 1st/2nd mortgages or higher LTVs.

Some lenders will do this because of the discount you are receiving upfront on the mortgage; see, to give a discount upfront costs money, and they want to ensure they have the ability to make some of the money back over the term of your mortgage.

Yes. It offers the flexibility of a HELOC while helping reduce interest faster.

Yes—many clients refinance into the Smart Home Plan to save time and interest.

This plan is ideal for homeowners with stable income and a disciplined approach to financial management.

How Do You Qualify For The Citadel Smart Home Plan?

✅ Mortgage Qualification Guidelines

At Citadel Mortgages, qualification depends on which product tier you fit into:

🏦 AAA Lending – Lowest Rate / Mortgage-Free Sooner Products

  • Credit Score: 600–720+ (stronger credit = best rates)

  • Debt Ratios: Up to 39/44% GDS/TDS (often requires 680+ credit for 39% GDS)

  • Income: Must be provable with pay stubs, T4s, or tax documents (2-year history for commissions/bonuses/overtime)

  • Employment: Generally 1+ year job history required if salaried

  • Credit History: Clean credit with no recent derogatory items or missed mortgage payments

  • Stress Test: Must qualify at benchmark rate (e.g., 5.25% even if contract rate is 3.25%)


💼 B Lending – Flexible Options

  • Credit Score: 550+

  • Debt Ratios (TDS): Up to 70% allowed

  • Income: More flexible documentation accepted (bank statements, alternative proof for self-employed)

  • Employment: Shorter history may be acceptable depending on lender

  • Credit History: Some bruised credit allowed, provided overall profile is strong


🏡 Private Lending – Unique & High-Ratio Solutions

  • Credit Score: 500+

  • Debt Ratios (TDS): Up to 70% allowed

  • Income: Less focus on provable income—equity and property value are primary factors

  • Employment: Flexible; not always required

  • Credit History: Prior issues accepted if current mortgage/rent payments are on track

  • Loan Options:

    • 1st & 2nd mortgages up to 80% LTV

    • HELOCs in 1st or 2nd position

    • High-ratio private solution up to 83% LTV


👉 Whether you’re AAA-qualified, need B lending flexibility, or require a private lending solution, Citadel Mortgages has options designed to help Canadians qualify and succeed—without sacrificing transparency or flexibility.