BEST MORTGAGE AGENT JOBS IN CANADA - sTART YOUR CAREER TODAY

Become part of a team with a championship mindset that consistently excels in all aspects, today.
Welcome to Citadel Mortgages, a place where your career aspirations meet opportunities. We are not just a team, but a family committed to empowering our agents to reach their full potential. Whether you’re a seasoned mortgage professional or just starting your journey in this industry, Citadel Mortgages offers an environment that nurtures growth, fosters learning, and encourages success.
Our unique approach to the mortgage industry has been designed to fill the gap for both experienced and new agents alike. We understand the challenges of this industry and have created a supportive, educational platform that ensures no agent is left to navigate their career path alone.
At Citadel Mortgages, we believe in the power of mentorship and coaching. We offer a robust coaching program that provides strategic lifelong partnerships with proven professionals. Our mentors are trusted, experienced, and highly regarded in their respective fields, and they are ready to help you achieve your goals.
Join us and become part of a championship mindset team that excels at every level. We look forward to welcoming you to our family and working together to create a successful future.

BECOME A MORTGAGE AGENT WITH US.
At Citadel Mortgages, our approach to hiring is unique. Unlike typical mortgage agent jobs advertisements, our primary focus is on your success. We are committed to fostering a championship mindset and promoting our esteemed brand across Canada, ensuring that you thrive and excel in your role.
We believe in providing opportunities for everyone interested in pursuing the mortgage licensing course in Ontario. If you’re considering completing the Ontario Mortgage Agent Course, we’ve made it easy for you. Simply follow the link below, which will direct you to REMIC – a renowned course provider for aspiring students in this field.
Why mortgage agent jobs at citadel mortgages
The Citadel Mortgage Family Journey
Joining Citadel Mortgages as a Mortgage Agent is akin to becoming part of a close-knit family. From the very first day, we are committed to your success because we firmly believe that your triumph is our triumph. We are 100% invested in you, as our success is inextricably linked to yours. Whether you're a newcomer to the field of mortgage agency or an experienced Mortgage Agent or Broker, everyone who joins our team receives the following benefits:

- Mentor Training Hands-On
- The Citadel Advantage Training Program On All elements (Business, Marketing, Branding, Networking, Business Set-Up)
- Leading Edge Tools ( CRM, Email Campaigns, Client Loyalty Program, Personal Mobile App, Personal Website, Marketing Tools, Social Media Program) ā We have the leading next-gen mortgage platform built with our tech team.
- We Build Your Social Media Platforms For You
- Up to 100% Commission Programs
- Leads! Citadel Mortgages takes pride in our marketing programs and offers our agents to take part in our next-gen lead platform(Ā
- In House RESP Division
- In House Insurance & Investment Division
- In House Mortgage Investment Division
- In House Debt & Credit Rebuild Division
We are all about you and your success; we invest in you as much as you invest in us! Join our team today!
Let's get started
Call us:Ā 1-866-600-8762 . Ā |Ā StartĀ your mortgage journeyĀ apply now
Franchise or Partner With Your Brand, With Us Today!
Do not get trapped with long-term commitments or unfair monthly fees! Instead, take control of your business and get the tools and support you need for your business and team! Citadel Mortgages prides itself on being transparent and fair, with no need for outdated systems and websites and hidden fees or charges. Instead, we show you where all the money is ā and allow you to access these revenue options that others may keep for themselves.
Our Partnered Brokerages Receive:
- Market Leading Software and Marketing Software ( Built from our tech team)
- Market Leading Client Loyalty Programs
- Tools & Resources
- No Hidden Fees or Hold Backs
- Transparent Information
- Lender Access
- In House RESP Division
- In House Insurance & Investment Division
- In House Mortgage Investment Division
- In House Debt & Credit Rebuild Division
Join Our Model Today And Allow Us to Increase Your Business Growth Today!

At Citadel Mortgages, we take immense pride in fostering the growth of our agents. We provide an empowering educational platform designed to facilitate not only their professional success but also their personal development. Citadel Mortgages was established to bridge a gap in the industry, catering to both seasoned and novice agents. We recognized that many brokerages offer minimal or no support or education, often leaving agents to navigate the complex landscape of this business on their own. We believe this approach is inadequate for any agent, brokerage, or lender partner, prompting us to raise the bar for the industry and ensure our company culture is equipped with top-tier resources and tools.
Ā
As we strive to expand our own horizons and our business, we often require the guidance of a mentor, the stability of a support structure, or the direction of a coach to propel us to the next level. There’s a limit to what we can achieve independently, and sometimes, that additional perspective, motivation, feedback, and support can be the key differentiator in our personal and professional growth. Our Coaching Journey initiative was conceived to provide this mentorship, coaching, and growth mindset. It offers strategic lifelong partnerships with proven track records of not only personal success but also aiding others in achieving their goals. Each mentor or coach brings their unique strengths to the table, offering diverse insights and advice. These partners are trusted, experienced, and highly regarded in their respective fields, and they will undoubtedly contribute significant value and support to you and your business, should you choose to engage with them.
Ā
OUR TRUSTED LENDER PARTNERS















WHY CITADEL MORTGAGES IS DIFFERENT THAN THE REST IN EVERY WAY, WE FOCUS ON YOU AND YOUR BUSINESS, NOT SOLEY ON OURS ā SEE THE DIFFERENCE FOR YOURSELF.
Get support & guidance so you can take on more business without occurring any extra costs; see our underwriting team handles all your files to assist with closing deals. Which means you get to understand which lender and why, and allow yourself to take on more business.
Have a question? Ask any time on our live team chat and the whole team is there to help. More importantly, our senior leadership actually is here to answer your questions and support you as you grow your business. This means even our principal broker is available to work side by side you!
If you need a quick answer fast Danny, our live chat agent is available 24/7 as well!
Keep your social media presence up with our social media platform; this platform allows you to create anything any time, so need to understand photoshop this platform is simple and easy to use. Our agents also can take advantage of your done for you yearly marketing platform as well.
If you have a real deal that needs to be financed, we have the funds to do it! Citadel Mortgages real competitive advantage ā being able to do what other agents canāt! Exclusive access to private funds across Canada for both residential and commercial files.
At Citadel Mortgages we understand that coming to the office isnāt always the best way to learn, again with the help of our lender partners and our tech team we are able to supply al our mortgage agents and partner mortgage brokerages with our mobile e-learning app and our lender TV keeps you updated and engaged as you grow your business.
But we also offer in-office training and support as well we have the system no matter your learning style.
Our marketing produces that just facts!Ā Citadel Mortgages guarantee that your phone will ring and as long as you follow our proven model you will see the success on your investment when you sign up for our marketing program. Each program is catered to the market that you will choose to focus on ā simple, easy, and warm leads. Both free lead program and paid marketing programs.
Our platform is built upon the digital landscape and can work as your all in one system. Itās smooth and supports all areas of business such as deal board, compliance, lender submission and lender connectivity, automation and drips, live chat meeting bookings, and more. We have taken the 4-5 platforms most mortgage agents use to combine them into a single experience. This allows our mortgage agents to spend less time and money on business resources and more time closing more business.Ā
The Citadel Advantage Platform is simplifying the mortgage process for all involved.Ā
Our mortgage agents and partner brokerages, spend less time collecting documents and more time processing the next application. Our platform pulls the clients, NOA, T4s, T2, Statement of accounts and bank statements, genuinely making the mortgage process fast and straightforward for both the client and mortgage agent.Ā
Our live marketing chatbots have gone through the hard test and allow our clients the opportunities to answer questions, get support, or fill out a mortgage application in minutes! As a mortgage agent or partner brokerage, you have access to these tools to allow your business to grow year over year.
At Citadel Mortgages, we long ago understood that the mortgage landscape has changed and now more then ever we must help out clients looking for services to increase their financial well being. At Citadel Mortgages, we offer revenue streams that can help your business such as:
- Referral Agent Program
- Retirement Program
- Credit Cards
- Loans
- Business financing
- Debt options
- Credit rebuild options
Our sister company Citadel Financial Wealth Group is a fully licensed insurance and investment brokerage, and because of this we have market offers that truly help our clients and programs such as our Better Mortgage Insurance which is a complete product offeringĀ
- Term Insurance
- Disability Insurance
- Critical Illness Insurance
This is not creditor insurance; this is proper insurance products. Our mortgage agents and partners have options, whether it be a simple referral or build a book, a business that pays you for life!
Our sister company Citadel Financial Wealth Group allows our agents once they have passed the provincial exams to own their insurance brokerage, now even if you do not have time to be mortgage agent and an insurance agent do not worry we have a program that allows you to focus on your mortgage business while our support staff handles all your insurance business. Learn more about this program and add real value to your future book of business today!
Mortgage Agent Job FAQ
At Citadel Mortgages, our dedicated mortgage brokers operate on a commission basis, ensuring they are rewarded only when they successfully assist you in securing a mortgage. Typically, our brokers earn a commission ranging from 0.5% to 1.2% of the total mortgage value. What sets us apart is our commitment to your financial well-being. Our brokers are empowered to share a portion of their commission to help reduce your mortgage rate, making home ownership more affordable for you. Join us in your journey towards financial stability and let our experts guide you every step of the way.
Boundless Earning Opportunities
As a mortgage broker, your earning potential is directly tied to your dedication and effort. With a robust client base, the sky’s the limit when it comes to your income. Essentially, your earning potential is uncapped, hinging on the number of clients you serve. This isn’t just a job; it’s a self-driven career that requires a high level of motivation and commitment to truly thrive. With the right amount of effort, you could see annual earnings ranging from $10,000 to well over $300,000. Your success is in your hands, and at Citadel Mortgages, we provide the platform for you to excel.
In Canada, the typical annual salary for a mortgage agent is approximately $102,375, equating to an hourly rate of $52.50. Those just beginning their careers in this field can expect to earn around $88,142 annually. On the other hand, seasoned professionals in this industry can earn up to $147,121 per year, reflecting the potential for growth and advancement in this rewarding career. All comes down to effort.
Navigating the Entrepreneurial Path: Your Investment in Success
Embarking on the journey of entrepreneurship brings forth certain costs, but at Citadel Mortgages, we’ve got you covered with a comprehensive range of services:
Ā
– **Credit Pulls**: Gain access to essential credit information.
– **Income Documents**: Ensure a seamless documentation process.
– **Title & Purview**: Effortlessly handle property-related details.
– **CRM & All Marketing Drips**: Access our robust client relationship management and marketing tools.
– **Lender Submission System**: Streamline the submission of applications to lenders.
– **Personal Time Coaching**: Benefit from guidance tailored to your needs.
Ā
We’re dedicated to your growth and success. In fact, we provide our agents with the opportunity to have their monthly fees refunded at the end of the year if they achieve the minimum required volume for funded mortgages.
Ā
At Citadel Mortgages, we’re invested in your journey towards prosperity. Join us and turn your investment into achievements.
Ā
Status | Monthly Admin Fee |
Account Manager | Monthly $150 |
Entry Level Mortgage Agent | Monthly $150 |
JR Mortgage Agent | Monthly $150 |
SR Mortgage Agent | Monthly $275 |
Senior Associate Mortgage Agent | Monthly $400 |
Team Lead/Brokerage Network | Monthly $600 |
Explore Diverse Roles for Your Mortgage Career at Citadel Mortgages
Here at Citadel Mortgages, we provide our mortgage agents with a range of role options to empower their career journey in the mortgage industry. Our dynamic opportunities allow you to thrive and expand your horizons within our reputable brand. Kindly remember that you are required to possess a valid license with us in the province where we are licensed.
Ā
Account Manager | An Agent that is referring business to the brokerage as a simple referral only. |
Entry Level Mortgage Agent | An Agent that is brand new and need 1 on 1 mentorship |
JR Mortgage Agent | An Agent who has received commissions of $50,0000 or more in a 12-month period, with each 12-month period commencing on the Anniversary Date of the Agent. |
SR Mortgage Agent | An Agent who has received commissions of $100,000.00 or more in a 12-month period, with each 12-month period commencing on the Anniversary Date of the Agent. |
Senior Associate Mortgage Agent | An Agent who is a SR Mortgage Agent and, since, has recorded 40 or more Completed Transactions. |
Team Lead | An Agent that mentors other Citadel Agentst (split is adjusted accordingly). |
At Citadel Mortgages, we’re committed to nurturing your business growth. No matter your stage ā whether you’re a new agent, an experienced one, a team leader, or even a brokerage ā we provide tailored company splits to fit your needs. Explore our up-to-date business split plans for self-sourced opportunities below. Benefit from our profit-sharing, agent recruitment bonuses, and renewal income. Plus, take advantage of our Health and Benefits package, with potential year-end credits when you achieve personal milestones.
Account Manager | 25% to the Agent & 75% to the Company – No VB or EFT Bonus |
Entry Level Mortgage Agent | 50% to the Agent & 50% to the Company No VB or EFT Bonus |
JR Mortgage Agent | 70% to the Agent & 30% to the Company No VB or EFT Bonus |
SR Mortgage Agent | 85% to the Agent & 15% to the CompanyĀ 50% of VB to Agent |
Senior Associate Mortgage Agent | 90% to the Agent & 10% to the CompanyĀ 50% of VB to Agent |
Team Lead/Brokerage Network | 100% to Agent & 0% to the Company 50% of VB to Brokerage or Agent |
Ā
At Citadel Mortgages, your business growth is our priority. We provide a lead program designed to expand your client base without added expenses on basic tiers. Additionally, our unique ‘Lead Cleanup Training Platform’ equips agents with the skills and behaviors necessary to effectively manage leads and cultivate self-sourced opportunities. Discover our lead program commission structure below.
New Lead Agent In Program | 25% to the Agent & 75% to the Company – No VB or EFT Bonus |
Jr Lead Agent In Program 30% Closing Rate | 35% to the Agent & 65% to the Company – No VB or EFT Bonus |
SR Lead Agent in Program 37% Closing Rate | Option 1 – 40% to the Agent and $100 weekly lead chargeĀ – VB and EFT at Company Decision |
Ā | Option 2 – 50% to the Agent and $200 weekly lead chargeĀ – VB and EFT at Company Decision |
Ā
At Citadel Mortgages, our coaching journey with you emphasizes mastery in deal packagingātailoring them precisely to lender preferences and gaining expertise in analyzing and presenting your files. Many agents fall into the trap of thinking, “If I can’t communicate directly with a lender, how will I learn?” or “I need to speak with lenders.” Such mindsets, whether held by novices or veterans, can be limiting.
We’re here to pivot that perspective. At Citadel Mortgages, we mentor you to excel in assessing and structuring your deals. You’ll collaborate with an underwriter and our principal broker, who not only reviews your deals but also offers invaluable coaching. The icing on the cake? You’re not burdened with the salary of an underwriter. Instead, you incur a reasonable underwriting fee, but only upon a successful deal closure. Explore the details below.
Ā
Residential FilesĀ
Ā
When commission are the following:Ā
$50-500 the fee is $50Ā Ā
$500-999 the fee is $100Ā Ā
$1000 ā1500 the fee is $150Ā
$1501 ā 3000 the fee is $350Ā
$3001 and above is $500Ā
Ā
Please note these fees can change at any time and can be changed per deal based on work required per file.Ā
Ā
For the 90/10 and 100% comp plans the UW fees are the same as above expect for when the commission is $3000 or more as the UW fee is $1000 for residential files.Ā
Ā
Commercial Files UW fee as followsĀ
5bps comes off the agent split and its $2000 fee.Ā
Mortgage Professionals play a pivotal role in turning dreams into reality, guiding individuals through significant financial choices that bring joy. Leveraging cutting-edge industry tools, they simplify the process, ensuring clients receive tailored mortgage solutions that align with their unique financial circumstances, saving both time and money.
Serving as a liaison between lenders and aspiring homeowners seeking mortgage loans. Guiding clients through the loan pre-approval process. Evaluating and presenting optimal home loan choices tailored to each client. Cultivating strong partnerships with real estate firms and lending establishments.
Navigating the mortgage industry requires resilience and self-motivation, given its self-employment nature. Unlike traditional employment where tasks are assigned and a paycheck is guaranteed, the mortgage world requires a proactive approach. You’re the driver of your success, and while we offer robust support, the onus of progress ultimately lies with you.
Consider this analogy: If you were to open a pizzeria, you’d receive the necessary tools and training, but the responsibility for expenses, payroll, and operations would be yours. The same principle applies here. Recognizing and accepting the entrepreneurial demands of this career is crucial.
Another critical aspect is prioritizing business acquisition. It’s tempting to dive into lender relations and intricate underwriting details, but without a client base, such knowledge remains underutilized. Our structure helps you prioritize building a solid pipeline of prospects. While we coach you in underwriting and deal packaging as you advance, remember: without a healthy client flow, longevity in this industry is challenging. We stress this because many agents become fixated on understanding lenders and underwriting without ever sealing a deal. Avoid getting sidetracked from the primary mission: acquiring and serving clients. Stay focused, stay driven, and together, we’ll achieve great things.
Featured On
Our Awards
