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!