About Us At Citadel Mortgages

Citadel Mortgages is one of the largest full-service Mortgage Brokerages with professional Mortgage Agents & Mortgage Brokers servicing GTA, Toronto, Ontario, Alberta, Saskatchewan, PEI, Newfoundland and Nova Scotia, Canada. We are changing the way mortgages are being done by providing our clients with sound advice and products to help our clients become mortgage-free sooner or with some of the lowest mortgage rates in Canada. Our 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, 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. We think outside the box of just taking the client through a refinance transaction and focus on the bigger picture.  

Citadel Mortgages’ whole client-first model was built around what is Called “Your Mortgage Journey.” See each client mortgage is a journey and Citadel Mortgages ensures this journey is mapped out with all steps and actions along the way. Citadel Mortgages clients love this client-first model as it allows them to quickly fix any issues that may prevent them from achieving their mortgage goals.

FACT:  70% of Canadians break their mortgage 3.67 into their 5-year term. Citadel Mortgages’ goal is to help educate you on mortgage facts and find the best mortgage solution and rate for your mortgage needs. Ask yourself what good is a fantastic rate if you’re breaking early and getting hit with a significant break fee?

With our “Beat Your Rate Program” you can be assured that your mortgage needs will be taken care of with the best possible rate and  with our All In One Mortgage Program you can be assured we will put more money in your pocket while becoming mortgage-free sooner. 

So, if you have any home financing need regardless of credit or transaction type our experience, client-first focus and our great lender connections you can be ensured that your mortgage needs will be taken care of with the best possible rate, terms, and service that will keep having you come back to us for all your future mortgage needs.

What Mortgage Rate Is Best For Me

Ideal if you want protection against interest rate increases or have a fixed payment over the term of your mortgage.

5 YEAR FIXED HIGH RATIO RATE ( UP TO 95% LTV)

1.58%

5 YEAR FIXED REFINANCED RATE

( UP TO 80% LTV)

2.09%

Ideal if you want to save money if interest rates go down.

3 YEAR VARIABLE HIGH RATIO RATE ( UP TO 95% LTV)

0.99%

5 YEAR VARIABLE REFINANCED RATE ( UP TO 80% LTV)

1.45%

Combine a mortgage with a home equity line of credit to pay your mortgage off faster, while having a readvacable line of credit to use in the future!

5 YEAR FIXED RATE 

2.04%

HELOC RATE

3.05%

Receive up to 1,000 Air Miles Reward Miles

Receive up to $2,500 cash back

*Some conditions apply, mortgage must close.

OUR TRUSTED LENDER PARTNERS

Citadel Mortgages Rewards Card

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 Career Transition - Citadel Mortgages

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

Social Awarenece - Citadel Mortgages

The Citadel Mortgage Social Awareness Program

Citadel Mortgages believes in supporting our community and the people that need our support. That is why once your mortgage closes we will make a donation to a charity or foundation on your behalf of your choice and plant a tree that you name!

Our Awards

Client Success Stories

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!

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