When it comes to purchasing a home in Canada, the journey through the intricate maze of the mortgage process can often feel overwhelming and complex. However, you don’t have to navigate this path alone. That’s where Mortgage Brokers step in as your trusted guides and financial advisors. In this comprehensive guide, we will delve into …
Are you considering getting a home equity loan in Canada? If so, one of the key factors that lenders will consider is your credit score. Your credit score plays a crucial role in determining your eligibility for a home equity loan and the terms and interest rates you may receive. In this article, we will …
What Credit Score Do You Need for a Home Equity Loan? Read More »
Owning a home is a significant milestone, but the thought of paying off your mortgage over a 30-year period may seem daunting. However, there are various strategies you can employ to pay off your mortgage faster, often without spending much extra money. In this article, we will explore several tactics that can help you reduce …
How to Pay Off Your Mortgage Faster: Strategies for Homeowners Read More »
When it comes to buying a second home in Canada, many homeowners wonder if they can leverage their existing home equity to finance the purchase. Home Equity Loans in Canada are indeed a viable option for those looking to invest in additional properties. Canadian homeowners are increasingly recognizing the potential of Home Equity Loans in Canada as a means …
Can you use equity as a down payment for a home in Canada? Read More »
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 …
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“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
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level of service, ethics, and deal transparency. Please note some rates are based on province and are subject to change at any time. Please note not all rates are available in Quebec, please contact us to confirm your rate approval.
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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.
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Visit airmiles.ca/WhereCanIFly to help you calculate the number of Miles you need to fly to your selected location.
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