Today’s Mortgage Rates updated as of September 27, 2025 10:10 am
5-year fixed*
5-year Variable*
*Insured loans. Other conditions apply. Rate in effect as of today.
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
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).
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
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.
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.
📉 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.
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.
🕒 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.
| Lending Type | Best For | LTV | Rates | Features |
|---|---|---|---|---|
| AAA (Traditional) | Strong credit, employed clients | Up to 95% (insured) | Lowest in Canada | Choose between a traditional mortgage OR Mortgage + HELOC combo |
| B Lending | Self-employed, bruised credit, higher TDS | Up to 80% | Competitive | Flexible underwriting, alternative approval paths |
| Private Lending | Unique/complex deals | Up to 80% (or 83% HR solution) | Higher | 1st & 2nd mortgages, HELOCs in 1st/2nd, high-ratio private lending |
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.
Growing to over 200 agents across Canada, Citadel Mortgages established itself as a coast-to-coast brokerage network.
We launched our innovative Smart Home Plan, combining mortgages with HELOCs to help Canadians pay off their homes faster and build wealth smarter.
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.
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.
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.
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.
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.
At Citadel Mortgages, qualification depends on which product tier you fit into:
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%)
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
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.
Copyright © 2018 Citadel Mortgages
Head Office – 150 King Street West 2nd Floor Suite 335, Toronto, ON M5H 1J9
Alberta Office – 421 7th Avenue S.W., 30th Floor, Calgary, Alberta, T2P 4K9
Nova Scotia Office – 1701 Hollis Street, Suite 800 Halifax, NS B3J 3M8
Saskatchewan Office – 2010 – 11th Avenue 7th Floor Regina Saskatchewan S4P0J3
Newfoundland Office – 1 Church Hill – Suite 201-522 St. John’s Newfoundland A1C 3Z7
New Brunswick Office – 500 St George Street, Moncton NB, E1C 1Y3
British Columbia Office – 900-2025 Willingdon Avenue, Burnaby BC, V5C 0J3
Manitoba Office – 330 St. Mary Avenue, Winnipeg, MB, R3C 3Z5
Disclaimer
Citadel Mortgages operates an information-based website designed to display mortgage rates from its trusted partners. While we strive to present accurate and up-to-date information, we cannot guarantee the precision of the rates or other details provided at all times. Citadel Mortgages assumes no liability for errors, inaccuracies, or damages resulting from the use of the information on this site. Terms and conditions apply, and it is essential to consult directly with a licensed mortgage broker for personalized advice and accurate details about specific products and services. Please note that the rates displayed are for informational purposes only and may differ from actual rates offered.
Citadel Mortgages is licensed to operate in the following jurisdictions:
Instant Approval, Conditional Approval, Pre-Approval
All approvals are subject to credit and underwriting approval. Not all borrowers will qualify for conventional or equity financing. The receipt of an application does not constitute a financing approval or guarantee of an interest rate. Restrictions apply. The Annual Percentage Rate (APR) is subject to underwriting and approval, and fees and terms may vary. Contact us for the most current rates and further information about specific products. OAC (On Approved Credit).
We remain committed to delivering outstanding service, transparency, and ethical practices. Please note that some rates are province-specific and may change without notice. Rates may not be available in Quebec; please contact us directly to confirm availability and approval.
All rights reserved.
Esso and Price Privileges are trademarks of Imperial Oil Limited. Imperial Oil, licensee. Mobil and Speedpass+ are trademarks of Exxon Mobil Corporation or one of its subsidiaries. Imperial Oil, licensee. For terms and conditions, visit Terms