Citadel Mortgage Best Mortgage Rates

Below you will find Citadel Mortgages posted 5-year fixed and variable mortgage rates. Use Rates4u.ca comparison chart to evaluate other brokerages and lenders against Citadel Mortgages and ensure you get the best mortgage rate!

 

Citadel Mortgages Mortgage Rates Canada Overview

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Citadel Mortgages is one of the largest full-service Mortgage Brokerages with professional Mortgage Agents & Mortgage Brokers servicing all of GTA, Toronto, Ontario, and Alberta Canada. They are changing the way mortgages are being done by providing thier clients with sound advice and products to help thier clients become mortgage-free sooner. Citadel  Mortgage financing solutions include:  

 

  • Residential- Purchase, Refinance, Transfer Mortgages 
  • Commercial-Purchase, Refinance Mortgages 
  • Private-Purchase, Refinance Mortgages 
  • Equity Lending  
  • Second Mortgages  
  • Home Equity Line Of Credit (HELOC)  
  • Private Mortgages  

Citadel Mortgages also offers today’s lowest mortgage rates, as seen on popular sites like rate spy, Lowest Rates, and preferred mortgage terms from top banks and mortgage lenders for good, bad, and no credit borrowers. Some of our lenders include:  

  • TD Bank  
  • Scotiabank  
  • Manulife  
  • RFA  
  • XMC Mortgage Corporation  
  • Home Trust  
  • Equitable, and many more. 

Citadel Mortgages has built their trust with clients by paying attention to the details and, in the case of credit, challenged customers thinking one transaction ahead so that the client is well-positioned for the future. Citadel Mortgages think outside the box of just taking the client through a refinance transaction and focus on the bigger picture. 

 

5-YR Variable

1.15%

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3-YR Variable

0.99%

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5-YR Fixed

1.64%

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10-YR Fixed

2.49%

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Market Best Mortgage Rates

2.45%

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3.59%

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2.09%

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6.09%

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Citadel Mortgages also offers the following programs:

CAREER TRANSITION PROGRAM 

 

HELPING BORROWERS GET BACK ON TRACK. 

 

Sometimes job loss can happen without warning. The Citadel Mortgages Career Transition Program is here to support you through this difficult time. 

 

EXCLUSIVE CITADEL WORLD ELITE REWARDS CARD 

 

Welcome to the family, a gift from our family to yours. The Citadel Word Elite Rewards Card is an exclusive member-only rewards program, unlike anything ever seen in the mortgage industry. 


CITADEL MORTGAGES NOW OFFERS AIR MILES® REWARD MILES. 

 

GET UP TO 1,000 MILES ON EVERY MORTGAGE THAT CLOSES WITH CITADEL MORTGAGES. 


Receive 15 cents off your gas for closing your mortgage with Citadel Mortgages 

 

Receive up to 250 liters of gas with 15 cents off. 

Citadel Mortgages Fixed-Rate Mortgages

Citadel Mortgages Fixed Rate Mortgage product reduces the risk of future interest rate fluctuations by “locking in” a specific interest rate for the term. This can create peace of mind for most homeowners, making it an appealing mortgage product for most home buyers; if you’re thinking of or arranging a new mortgage for a future or your current home, your fixed interest rate mortgage can be guaranteed up to 120 days before your home’s closing date. If the interest rates go up during that time, you will be guaranteed a lower rate. 

TERM LENGTH

Citadel RATE

1-Year Fixed

2-Year Fixed

3-Year Fixed

4-Year Fixed

5-Year Fixed

7-Year Fixed

10-Year Fixed

Citadel Mortgages Variable-Rate Mortgages

Variable Rate Mortgages provides you with fixed payments over the term of your mortgage; keep in mind, the interest rate will fluctuate with any changes in the bank of Canada prime interest rate. If the bank of Canada prime rate goes down, more of your payment will go towards paying off your principal; while if the bank of Canada prime rate goes up, more of your payment will go towards your mortgage’s interest costs. This is a great financial tool for those expecting rates to fall or take advantage of current low mortgage rates. Most times, the variable mortgage is a convertible mortgage that allows you to convert to another term, such as a fixed mortgage at any time. This feature provides you with flexibility and security, as it enables you to convert to a longer closed term should your variable rate mortgage no longer meet your needs. 

 

5-Variable

Citadel Mortgages mortgage application checklist

Once you have started the application process, Citadel Mortgages will ask you questions relating to what you owe and own; some of the expenses relating to the property, such as heating costs, taxes, and condo fees; also whether you will be using the property to generate income. Additional information Citadel Mortgages will require includes: 

 

  • Your last two years T1 and Notice of Assessment
  • A current list of your assets and liabilities
  • The confirmation of your down payment may include recent bank statements, a Gift Letter, or RRSP withdrawal confirmations.
  • Job letter proving current employment and income, including recent payslips
  • Documents are proving additional income such as child tax credit etc.
  • The details about the property your buying or currently own, including the MLS listing (if applicable) and any associated bills and taxes (e.g., property taxes, heating costs, and condo fees).

More on Citadel Mortgages

Citadel Mortgages is a mortgage brokerage. Because they are mortgage brokerage, they have access to many different lenders and banks that, in turn, help ensure you get the best mortgage rate. 

Best Mortgage Rates In Canada

3-Year Variable Mortgage Rates

0.99%

5 Year Fixed Mortgage Rates

1.64%

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Yes

Pre-approval

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15%

Pre-approval

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15%

Lump sum pre-payment

Get the Best Mortgage Rates

1.15%

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5-Year Variable
(High Ratio)

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Yes

Pre-approval

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15%

Pre-Payment

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15%

Lump sum pre-payment

Citadel 3 Year Variable Mortgage Rate

0.99%

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3-Year-Variable

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No

Pre-approval

finance-13-5

20%

Pre-approval

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20%

Lump sum pre-payment

Citadel 5 Year Fixed Mortgage Rate

1.64%

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5-Year-Fixed

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Yes

Pre-approval

finance-13-5

15%

Pre-Payments

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15%

Lump sum pre-payment

Citadel 10 Year Fixed Mortgage Rate

2.49%

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10-Year-Fixed

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Yes

Pre-approval

finance-13-5

15%

Pre-Payments

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15%

Lump sum pre-payment

CIBC 5-Year Variable Mortgage Rate

2.45%

CIBC Best Mortgage Rates - Rates4u.ca

5-Year Variable Mortgage Rate

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No

Pre-approval

finance-13-5

10%

Pre-approval

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10%

Lump sum pre-payment

CIBC 3-year Fixed Mortgage Rate

3.59%

CIBC Best Mortgage Rates - Rates4u.ca

3-Year Fixed

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No

Pre-approval

finance-13-5

10%

Pre-Payments

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10%

Lump sum pre-payment

CIBC 5-year Fixed Mortgage Rate

2.39%

CIBC Best Mortgage Rates - Rates4u.ca

5-Year-Fixed

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No

Pre-approval

finance-13-5

10%

Pre-Payments

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10%

Lump sum pre-payment

CIBC 10-year Fixed Mortgage Rate

6.09%

CIBC Best Mortgage Rates - Rates4u.ca

10-Year-Fixed

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No

Pre-approval

finance-13-5

10%

Pre-Payments

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10%

Lump sum pre-payment

Citadel 1 Year Fixed Mortgage Rate

1.74%

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1-Year-Fixed

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No

Pre-approval

finance-13-5

20%

Pre-Payments

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20%

Lump sum pre-payment

Citadel 2 Year Fixed Mortgage Rate

1.69%

citadel-mortgages

2-Year-Fixed

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No

Pre-approval

finance-13-5

20%

Pre-Payments

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20%

Lump sum pre-payment

Citadel 3 Year Fixed Mortgage Rate

1.39%

citadel-mortgages

3-Year-Fixed

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Yes

Pre-approval

finance-13-5

15%

Pre-Payments

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15%

Lump sum pre-payment

Citadel 4 Year Fixed Mortgage Rate

1.74%

citadel-mortgages

4-Year-Fixed

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No

Pre-approval

finance-13-5

20%

Pre-Payments

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20%

Lump sum pre-payment

Citadel 7 Year Fixed Mortgage Rate

2.34%

citadel-mortgages

7-Year-Fixed

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Yes

Pre-approval

finance-13-5

20%

Pre-Payments

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20%

Lump sum pre-payment