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, New Brunswick, Nova Scotia, Quebec and British Columbia, Canada. We are changing the way mortgages are being done by providing our clients with sound advice while empowering Canadians on their mortgage journey to create generational wealth while providing 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 WOWA and preferred mortgage terms from top banks and mortgage lenders for good, bad, and no credit borrowers. Some of our lenders include:
- TD Bank
- 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. As a result, we think outside the box of 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. So 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.
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.
Have you ever wondered why you have to provide more documents to a mortgage broker in Canada than to your own bank? It’s a common question asked by clients who are beginning their mortgage journey, and we have an answer for you.
Mortgage brokers are intermediaries who work with multiple lenders to find you the best deal for your mortgage. Unlike your bank, which has access to your financial information, mortgage brokers don’t have access to your financial history or any other information that might help them determine your creditworthiness.
Therefore, to obtain a mortgage from a lender, brokers need to gather as much information as possible about your financial situation. This includes details about your income, employment history, credit history, savings, assets, and debts. Gathering this information helps brokers to understand your financial capacity and identify the best lenders and products for you.
Moreover, lenders also require a thorough verification process to ensure the accuracy of the information provided by clients. In addition, they are required to follow strict regulatory guidelines to prevent money laundering and fraudulent activities. Therefore, brokers must obtain all required documents to present a complete and accurate application to the lenders.
In contrast, your bank has access to your financial information, and therefore, you don’t have to provide as much documentation. However, you might not always get the best deal from your bank since they are only offering their own products. Working with a mortgage broker gives you access to multiple lenders and products, increasing your chances of finding the best deal for your unique situation.
At Citadel Mortgages, we understand that providing so many documents can be overwhelming. However, we work hard to make the process as seamless as possible for you. Our award-winning process ensures that we collect all the required documents upfront, reducing the risk of any delays or issues during the mortgage process.
If you’re ready to start your mortgage journey, contact us today, and our team of experts will guide you through the process and help you find the best mortgage deal for you.
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!
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OUR TRUSTED LENDER PARTNERS
EXCLUSIVE CITADEL WORLD ELITE REWARDS CARD
Welcome to the family, a gift from our family to yours. The Citadel World Elite Rewards Card is an exclusive member-only rewards program unlike anything ever seen in the mortgage industry.
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.
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. Please speak to one of our mortgage agents today!