Mortgage Refinance 101 INSIDER TIPS TO ENSURE YOU GET THE BEST RATE & TERMS FOR YOUR MORTGAGE RENEWAL

Don’t be in a rush to sign your renewal, explore your options. This can save you thousands of dollars upon your renewal. Download this E-Book now to make the process easier and to have a better understanding of the options available to you today.

CITADEL MORTGAGES CAN HELP YOU REFINANCE YOUR MORTGAGE TO:

  • Pay off high-interest loans and credit cards
  • Get a better mortgage rate and term
  • Combine your first and second mortgages into a new mortgage
  • Access your home equity for any of your needs
  • All Credit and Income Types APPROVED
  • Fast, Easy Process
  • Fast Funding
  • Limited Time We Cover The Appraisal Once Your Mortgage Closes!

OUR TRUSTED LENDER PARTNERS

Mortgage Refinancing Made Simple With Our Mortgage Refinancing Mortgage Solution!

Mortgage refinancing can be a little overwhelming sometimes. All day we see a lot of advertisements from banks and lenders with today’s lowest mortgage interest rates. However, lower rates don’t always mean that it’s a better mortgage for you.  Using a mortgage broker for mortgage refinancing can eliminate the confusion and ensure you fully understand what the new mortgage rules are and how they can impact your new mortgage refinance.

Our expert Mortgage Brokers at Citadel Mortgages are trained, correctly, to understand your current financial situation, while also gaining information regarding your future financial goals. This is very important as it helps us understand which type of mortgage product, and terms to seek for our clients.

See The Difference For Yourself and Get Approved Today!

Reasons for Refinancing Your Mortgage Can Be To

  • 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 pay day loans
  • Pay Off Judgements, Garnishments
  • Finance whatever your specific needs may be

Mortgage Refinance & Renew My Mortgage Options by citadel Mortgages

Citadel Mortgage - Home Equity Line Of Credit - HELOC - Mortgage Refinance - Renew My Mortgage - stop power of sale

What Documents Do You Need To Refinance Your Mortgage?

    • Current Mortgage Information Statement – Must be dated 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 mortgage upon closing.
    • Job Letter and most recent paystubs
    • Last 2 Years T4s
    • Other documents may be required, our mortgage agents here at Citadel Mortgages will help you if any other documents are required for your mortgage refinancing needs.

Our AffiliateS

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Client Success Stories

Our clients always come first. Our goal is to help you get the best advice and mortgage solutions for your needs. Citadel Mortgages was formed to help you achieve your financial home success so allow us to help you today. Speak to one of our mortgage agents today!

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Calculate how much you’d spend each month to buy a home or renew or refinance your mortgage.

Start thinking about how much you spend each month, create a budget, and start saving up for your home.

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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*

®™ Trademarks of AM Royalties Limited Partnership used under license by LoyaltyOne, Co. and Citadel Mortgages

  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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