Stepping into the realm of homeownership for the first time can be both exhilarating and daunting. As a premiere mortgage broker in Canada, Citadel Mortgages is here to guide you through each step of the journey. This comprehensive guide is designed to help you navigate the process of purchasing your first home in Canada successfully. …
Tips for First Time Home Buyers in Canada (2023) Read More »
If you’ve been contemplating Home Equity Line of Credit or HELOC as an option for financing, you may be curious about how much you’ll need to pay each month. The structure of HELOC is distinct from other forms of financing, making the initial payments relatively low. But it’s crucial to understand your minimum monthly payment …
Becoming a homeowner in Canada is a significant financial milestone. But for many, owning one home isn’t enough. For those looking to expand their property portfolio or tap into the equity in their homes for other reasons, second mortgages in Canada offer a viable solution. In this comprehensive guide, we will walk you through everything …
Getting a Second Mortgages in Canada: All you Need to Know Read More »
In the world of real estate and mortgages, many terms and concepts can seem complex and overwhelming. One such concept that homeowners often come across but may not fully understand is the cash-out refinance. In this comprehensive guide, we’ll delve deep into the process of cash-out refinancing, explaining its benefits, potential drawbacks, and how it …
What is Cash-Out Refinance: A Comprehensive Guide Read More »
As a prospective home buyer, the decision-making process can often feel overwhelming. One of the most crucial choices you’ll have to make is between using a mortgage broker or a bank for your mortgage needs. This guide aims to provide an in-depth comparison of Mortgage Brokers vs Banks, helping you make an informed decision that …
Mortgage Brokers vs Banks: Which is the Best Option for You Read More »
Homeowners seeking to tap into their home equity often resort to second mortgages. This financial instrument can serve multiple purposes, from funding home improvements to consolidating high-interest debts. This article will provide an in-depth exploration of what second mortgages entail, their benefits, risks, and how to qualify for one. What are Second Mortgages? A second …
Mortgage refinancing in Canada is a significant financial decision that requires careful consideration and comprehensive understanding. This guide aims to equip you with essential knowledge about the process, benefits, and considerations of mortgage refinancing. Understanding Mortgage Refinancing Mortgage refinancing involves replacing your existing mortgage with a new one that comes with different terms and conditions. …
How to Refinance a Mortgage in Canada: A Comprehensive Guide Read More »
When it comes to navigating the financial pathways associated with homeownership, two primary routes often surface: Home Equity Lines of Credit (HELOC) and Mortgages. While both these options are tied to your home, they offer distinct features and benefits that potential borrowers must understand. In this comprehensive guide, we delve deep into the world of …
How to Keep Your Credit Clean During the Home Buying Process Imagine that you’re looking for a new home. You put in an application with your mortgage broker or bank to be pre-approved. After a bit of waiting, they come back with great news. You are pre-approved! This notice is fantastic news that gives you …
How to Keep Your Credit Clean During the Home Buying Process Read More »
Everything you need to know about your Credit Score As a mortgage broker, one of the biggest problems we see is that people often begin applying for a mortgage without first understanding what their credit score is. Your credit score is a crucial determining factor in whether or not a bank will extend you a …
Everything you need to know about your Credit Score Read More »
Copyright © 2018 Citadel Mortgages
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
Nova Scotia Office – 1701 Hollis Street, Suite 800 Halifax, NS B3J 3M8
Saskatchewan Office – 2010 – 11th Avenue 7th Floor Regina Saskatchewan S4P0J3
Newfoundland Office – 1 Church Hill – Suite 201-522 St. John’s Newfoundland A1C 3Z7
New Brunswick Office – 500 St George Street, Moncton NB, E1C 1Y3
British Columbia Office – 900-2025 Willingdon Avenue, Burnaby BC, V5C 0J3
Citadel Mortgages is licensed in the following: Ontario FSRA 12993 – Saskatchewan FCAA 509446, Nova Scotia 2021-3000010 – Alberta, PEI, Nunavut, Newfoundland 21-07-CI083-1. New Brunswick 210031130, British Columbia X301267
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 the 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 rates calculated on a yearly term. APR varies; contact us for current rates or more information on a specific product. OAC. Citadel Mortgages. All
discounted mortgage products may be subject to an exclusivity agreement between
the applicant(s) and Citadel Mortgages. We thank you for your continued
support and look forward to providing our beloved customers with an unparalleled
level of service, ethics, and deal transparency. Please note some rates are based on province and are subject to change at any time.
®™ Trademarks of AM Royalties Limited Partnership used under license by AIR MILES Loyalty Inc. 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 fbet-ca.com
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.
Pre-approval
Pre-Payments
Lump sum pre-payment
Pre-approval
Pre-Payments
Lump sum pre-payment
