About Us At Citadel Mortgages

Citadel Mortgages is one of the largest full-service Mortgage Brokerages with professional Mortgage Agents & Mortgage Brokers servicing all of GTA, Toronto, and Ontario 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. 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.


Citadel Mortgages 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


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!

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!

Our AffiliateS

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Copyright © 2018 Citadel Mortgages  Lic # 12993,

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

All rights reserved

“Instant Approval, Conditional Approval, Pre-Approval” – Borrower subject to credit and underwriting approval. Not all borrowers will be approved for conventional financing or equity financing. Receipt of borrower’s application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, Annual APR is subject to approval and underwriting, APR includes all fees and rate which is calculated on a yearly term. APR varies contact us for current rates or more information on a specific product. OAC*

®™ Trademarks of AM Royalties Limited Partnership used under license by LoyaltyOne, Co. and Citadel Mortgages

Esso and Price Privileges are trademarks of Imperial Oil Limited. Imperial Oil, licensee.  Mobil and Speedpass+ are trademarks of Exxon Mobil Corporation or one of its subsidiaries. Imperial Oil, licensee. For terms and conditions, visit giftcards.esso.ca/terms

  1. In order to receive upto 1,000 Miles you must be a registered and provide a valid AIR MILES Collector Number to the Citadel Mortgage agent at the time of application; your mortgage must close and fund with Citadel Morttgages. Miles will be credited to your Collector Account within 30 days after all conditions have been met.

2. All rewards are offered subject to the Terms and Conditions of the AIR MILES Reward Program, are subject to change and may be withdrawn without notice. To redeem for Travel and/or Merchandise Rewards, you must have accumulated sufficient AIR MILES Reward Miles in your Dream Balance. Some restrictions may apply. Quantities may be limited. Collectors must pay applicable surcharges, fees and taxes on air, hotel and car rental Rewards. Travel Rewards may be subject to a minimum advance booking and availability from participating Suppliers. Merchandise Rewards include all taxes, shipping and handling costs. No cancellations, exchange or refunds for tickets, certificates or merchandise once booked or ordered. Manufacturers’ warranties apply to merchandise Rewards. LoyaltyOne, Co. makes no representations or warranties, express or implied. For complete details, see current Program Terms and Conditions, available at airmiles.ca or the AIR MILES Customer Care Centre at 1-888 AIR MILES (or in Toronto call 416-226-5171).

3. Use Miles in the Cash balance of your AIR MILES Collector Account in-store in increments of 95 Cash Miles for $10 towards purchases at participating AIR MILES Partner locations and online at airmiles.ca/cash in increments of 95 Cash Miles for every $10 value from participating Reward Partners to a maximum of $750 per day. eVouchers can be used at participating Reward Partners’ locations in Canada only. See specific eVoucher reward page for details and any restrictions. Visit airmiles.ca/cash to learn more. You must have accumulated sufficient Cash Miles in your Collector Account in order to use Miles towards in-store purchases and eVouchers. All Rewards offered are subject to the Terms and Conditions of the AIR MILES Reward Program, are subject to change and may be withdrawn without notice. For complete details, visit airmiles.ca.

4. A short haul flight is a return flight with origin and destination within the same flight zone having a departure date during low season of January 8 – February 28; April 1 – May 31; September 16 – December 15.

5. Flight examples shown are for illustrative purposes only. Examples represent the number of AIR MILES Reward Miles required during low season of January 8 – February 28; April 1 – May 31; September 16 – December 15. The required number of Miles is determined by the departure date. Miles required are the “starting from” rates for round-trip travel in economy class per traveller.

6. Mortgage applications are subject to meeting Citadel Mortgages and our lenders usual credit criteria.

7. All mortgages must close and fund with Citadel Mortgages, this offer is vaiild with any new or renewal mortgage and offer can change at any time without notice.

8. AIR MILES® Bonus Miles are suject to a closed mortgage that fund with Citadel Mortgages. The AIR MILES® Bonus Miles will be added to the account 30 days after mortgage closes,.

Please note all terms and conditions can change at anytime.

Trademarks of AIR MILES International trading B.V. Used under license by LoyaltyOne, Co. and Citadel Mortgages

You agree to these terms and conditions.

Visit airmiles.ca/WhereCanIFly to help you calculate the number of Miles you need to fly to your selected location.

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