💡 Second Mortgage vs. HELOC in Canada: Which One’s Right for You?
When deciding on life insurance, one key decision is whether to choose a single or joint policy.
Today’s Mortgage Rates updated as of August 27, 2025 2:59 pm
5-year fixed*
5-year Variable*
*Insured loans. Other conditions apply. Rate in effect as of today.
At Citadel Mortgages, we make homeownership simple. Whether you’re buying your first home, refinancing, or exploring investment opportunities, we offer tailored solutions to meet your needs. With access to Canada’s top lenders, innovative financial products, and expert guidance, we help you secure the best mortgage rates quickly and stress-free.
Lock in a 6-month fixed rate for unmatched stability and flexibility in today’s ever-changing market. Enjoy peace of mind now, with the freedom to explore even better mortgage options down the road. Your perfect rate starts here!
Find the Right Mortgage Solution for You Click below to get started:
Our Featured Rates
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.
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)
With over a decade of experience, our mortgage brokers are dedicated to simplifying the mortgage process and securing the best solutions for your financial goals.
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. Whether it’s a fixed-rate, variable-rate, or specialty mortgage, we’ve got you covered.Let us simplify the process and help you secure approval quickly and stress-free!
We go beyond mortgages with:
With Citadel Financial Wealth Group, we offer:
Through Simply Approved Mortgages, our licensed U.S. brokerage, we help Canadians invest in U.S. real estate.
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.
We offer a wide range of mortgage solutions to meet every requirement:
First-Time Homebuyer Mortgages
Mortgage Refinancing
Second Mortgages
Reverse Mortgages
Halal Mortgages
Speed up your mortgage approval by providing the correct documents upfront. The sooner we receive everything we need, the sooner we can work on securing an exact rate for you—not just a rate quote. Visit our Mortgage Document Checklist page to see exactly what’s required to help you get approved today
When was the last time you got a second opinion on your home insurance? Apply now for a no-obligation quote and save today!
Unlock a high-interest account tailored to your everyday banking needs. Experience great features, unparalleled flexibility, and exceptional rates on all your money!
Experience comprehensive protection with our Mortgage Insurance, offering full coverage including term life, critical illness, and disability coverage.
Our clients always come first. Our goal is to help you get the best advice and mortgage solutions for your needs. Citadel Mortgages was formed to help you achieve your financial home success so allow us to help you today. Speak to one of our mortgage agents today!
When deciding on life insurance, one key decision is whether to choose a single or joint policy.
When deciding on life insurance, one key decision is whether to choose a single or joint policy.
When deciding on life insurance, one key decision is whether to choose a single or joint policy.
Concerns around health, mortality, and keeping your loved ones safe remain top of mind
Joint life insurance is a single policy covering two people, often spouses or common-law partners.
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.
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