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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.

Putting Brokers First - CItadel Mortgages 2022


At Citadel Mortgages, our approach to hiring is unique. Unlike typical mortgage agent job 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.

Citadel Mortgages Experience VideoS

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:

Citadel Mortgages 30
  • 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) – 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( 
  • 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!


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 – 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!

Your Coaching Jounrey - Citadel Mortgages

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.


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.




Mortgage Agent Job FAQ

Do mortgage agents make money?

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.

Is mortgage agent a good career in Canada?

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.

How much does a mortgage agent make in Canada?

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.

What are the monthly fees?

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:


– **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.


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.


At Citadel Mortgages, we’re invested in your journey towards prosperity. Join us and turn your investment into achievements.


StatusMonthly Admin Fee
Account ManagerMonthly $150
Entry Level Mortgage AgentMonthly $150
JR Mortgage AgentMonthly $150
SR Mortgage AgentMonthly $275
Senior Associate Mortgage AgentMonthly $400
Team Lead/Brokerage NetworkMonthly $600

What roles does Citadel Mortgages offer?

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.


Account ManagerAn Agent that is referring business to the brokerage as a simple referral only.
Entry Level Mortgage AgentAn Agent that is brand new and need 1 on 1 mentorship
JR Mortgage AgentAn 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 AgentAn 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 AgentAn Agent who is a SR Mortgage Agent and, since, has recorded 40 or more Completed Transactions.
Team LeadAn Agent that mentors other Citadel Agentst (split is adjusted accordingly).

What is the commission split for agents sourcing their own business at Citadel Mortgages?

At Citadel Mortgages, we’re committed to nurturing your business growth. No matter your stage – whether you’re a new agent, an experienced one, a team leader, or even a brokerage – 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 Manager25% to the Agent & 75% to the Company – No VB or EFT Bonus
Entry Level Mortgage Agent50% to the Agent & 50% to the Company No VB or EFT Bonus
JR Mortgage Agent70% to the Agent & 30% to the Company No VB or EFT Bonus
SR Mortgage Agent85% to the Agent & 15% to the Company  50% of VB to Agent
Senior Associate Mortgage Agent90% to the Agent & 10% to the Company  50% of VB to Agent
Team Lead/Brokerage Network100% to Agent & 0% to the Company 50% of VB to Brokerage or Agent


What is the commission split for agents that are on the lead program at Citadel Mortgages?

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 Program25% to the Agent & 75% to the Company – No VB or EFT Bonus
Jr Lead Agent In Program 30% Closing Rate35% to the Agent & 65% to the Company – No VB or EFT Bonus
SR Lead Agent in Program 37% Closing RateOption 1 – 40% to the Agent and $100 weekly lead charge  – VB and EFT at Company Decision
 Option 2 – 50% to the Agent and $200 weekly lead charge  – VB and EFT at Company Decision


What are the underwriting fees and how much per deal at Citadel Mortgages?

At Citadel Mortgages, our coaching journey with you emphasizes mastery in deal packaging—tailoring 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.


Residential Files 


When commission are the following: 

$50-500 the fee is $50  

$500-999 the fee is $100  

$1000 –1500 the fee is $150 

$1501 – 3000 the fee is $350 

$3001 and above is $500 


Please note these fees can change at any time and can be changed per deal based on work required per file. 


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. 


Commercial Files UW fee as follows 

5bps comes off the agent split and its $2000 fee. 

Is it good to become a Mortgage Agent?

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.

What is the role of a Mortgage Agent?

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.

What is the one thing I need to know about being a mortgage agent?

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.

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