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.

Citadel Mortgages enables you to eliminate each and every mortgage rates and let you complete the entire procedure in just a few clicks. Using that, you can locate the very best mortgage rates with regards to your mortgage requirements.

Sometimes the lowest rates come with lower prepayment options and a bonafide sales clause, which means you can not break your mortgage unless you sell your home!

Citadel Mortgages can help you find the lowest mortgage rates in your province and choose the most suitable mortgage financing alternatives for you to ensure you do not get stuck with surprises down the road!

Compare the best mortgage rates today!

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.

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.

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!

Citadel Mortgages has some of the lowest rates due to our transparent process and honest approach. In addition, our Citadel Smart Home Plan offers Canadians the lowest mortgage rates in Canada while not having to give up critical flexible features of your mortgage that you may want to take advantage of on your mortgage journey, unlike comparable lender mortgage products that offer low rates, yet that force you into lower prepayment privileges or a bonafide sales clause!

Citadel Mortgages will also help you understand how the lowest rates impact your mortgage and also that it is not always about the rate when you want to become mortgage-free sooner while financing your new home or existing home.