Understanding how to use the equity in your home can be difficult depending on your situation. Download this eBook now to make the process easier and to have a better understanding of the options available to you today.


  • Home Equity Loans Approved Up To 90% Of Your Home Value
  • Home Equity Loans Approved Up To 90% Of Your Home Value
  • Approved Same Day
  • Home Equity Loans Approved For All Income & Credit Types
  • Fast Funding In As Little As 2-3 Business Days
  • Approved Based On The Equity In Your Home
  • Limited Time We Cover The Appraisal Once Your Home Equity Loan Closes!


Use Our Home Equity Line Of Credit Calculator Today!

Calculate Your Home Equity, Interest Rate, and Monthly Payments Below FREE, with No Obligations with our Home Equity Line Of Credit Calculator Now!

Secure | No Obligation | Get Approved Today

Whether you have good or bad credit, a Home Equity Loan can help get you money for whatever you need, and the process is usually as little as 2-3 business days. Due to the increased risk for the lenders, because the home equity loan is in the second position, the interest rates for home equity loans are typically more than those for first mortgages and will have fees as part of the mortgage.

The term “home equity loan” is used because the loan is second in priority in case of default. This means that if a borrower defaults, the first mortgage will be paid off before the home equity loan.

We have many private mortgage lenders who have helped our clients receive home equity loans regardless of income or credit, based on the equity in their property. See the difference for yourself and get approved today with our home equity loan mortgage solution!

See The Difference For Yourself. Get Approved Today!

These Documents will be required to close your home equity loan needs:

  • Current Mortgage Information Statement – Must be dated the same month as your application form, if you do not have one you can contact your mortgage lender and request one to be sent to you by email.
  • Most recent property tax statement – If you do not have this, then you can get the most updated statement from your local city hall.
  • Most recent NOA may be requested to show no income tax owing –  If income tax owing it will need to be paid out from the new home equity loan upon closing.
  • Other documents may be required, our mortgage agents here at Citadel Mortgages will help you if any additional documents are needed for your home equity loan needs.

Increase Your Cash Flow With A Home Equity Loan For Any Of The Following Needs

  • Consolidate Debt
  • Renovate Your Home
  • Invest In Your Business
  • Pay Off A Consumer Proposal
  • Pay Mortgage Arrears
  • Purchase Investments including Real Estate
  • Pay for wedding expenses
  • Pay for education
  • Cover medical expenses
  • Pay CRA tax arrears
  • Pay property tax arrears
  • Take a family vacation
  • Purchase a car
  • Get out of high-interest loans
  • Invest In RRSP or RESP
  • Pay off payday loans
  • Pay Off Judgments, Garnishments
  • Finance whatever your specific needs may be

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Head Office – 150 King Street West 2nd Floor Suite 335, Toronto, ON M5H 1J9

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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 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 rate which is calculated on a yearly term. APR varies contact us for current rates or more information on a specific product. OAC. Please note that an admin fee of $500 may be applicable to discounted mortgage products / rates offered by Citadel Mortgages.  All discounted mortgage products may be subject to an exclusivity agreement between applicant(s) and Citadel Mortgages.  We thank you for your continued support and look forwarding to providing our beloved customers an unparalleled level of service, ethics, and deal transparency.

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  1. In order to receive upto 1,000 Miles you must be a registered and provide a valid AIR MILES Collector Number to the Citadel Mortgage agent at the time of application; your mortgage must close and fund with Citadel Morttgages. Miles will be credited to your Collector Account within 30 days after all conditions have been met.

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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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.

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