New To Canada Mortgage – Helping You Get The Right Solution For Your Mortgage Needs

This E-Book helps you understand what the banks, trust companies and the other lenders are looking for when applying for a mortgage. This E-Book will provide you the information needed to ensure you get the best mortgage rate and solution for your mortgage needs!

OWN YOUR NEW HOME IN CANADA

Citadel Mortgages can help you realize your dream of home ownership with our New To Canada Mortgage Programs. We have the right mortgage solutions available exclusively to our permanent and non-permanent resident borrowers.
Citadel mortgages new to canada program helps you from start to finish. It is a step by step process that is UNIQUE to citadel mortgages that has helped many our our borrowers to date.  
We understand you want to own a home, and at Citadel Mortgages, we make it simple for you. See the Difference for Yourself, Get Approved Today!

OUR TRUSTED LENDER PARTNERS

Newcomers can purchase a home with as little as 5% insured financing or as much as 35-50% down depending on the program. At Citadel Mortgages, you will also have competitive interest rates and exceptional service to match your exact mortgage needs!

  • Purchase transactions: 95% LTV
    • Property value ≤ $500,000 – 5% down payment required
    • Property value > $500,000 and < $1,000,000 – 5% down payment required up to $500,000, with an additional 10% down payment on the portion of the home value above $500,000
  • Valid work permit or verification of landed immigrant status
  • Income Confirmation
  • Down payment confirmation
  • Purchase and Sale Agreement
  • Letter of reference from a recognized financial institution

OR

  • Six (6) months of bank statements from the primary account
  • International credit report demonstrating a strong credit profile

OR

  • Two (2) alternative sources of credit demonstrating timely payments (no arrears) for the past 12 months. The two alternative sources required are:
    • Rental payment history confirmed via letter from landlord and bank statements **
    • One other alternative source (hydro/utilities, telephone, cable, cell phone and auto insurance) to be confirmed via letter from the service provider or 12 months billing statements

Find out how much home you can afford

See how you can save and become mortgage free sooner

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.

Our AffiliateS

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Copyright © 2018 Citadel Mortgages  Lic # 12993, 30 ST Patrick Street 4th Floor, Toronto, Ontario M5T 3A3

All rights reserved

“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.

Trademarks of AIR MILES International trading B.V. Used under license by LoyaltyOne, Co. and Citadel Mortgages

You agree to these terms and conditions.

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