Understanding how to use the equity in your home can be difficult depending on your situation. Download this E-Book now to make the process easier and to have a better understanding of the options available to you and take advantage of the current low mortgage rates today.


Personal Loans Approved Up to 85% Of Your Home Value

  • Loans from $2,500 to $40,000
    Cash in your bank within 48 hours
  • Simple one-page application
  • No legal costs
  • No appraisal costs
    Amortized up to 10 years
  • Repaid at any time with no interest penalties ( Fully Open)
  • Competitive interest rate
    Across Ontario!

A Personal Loan for Homeowners can help get you money for whatever you need, and the process is usually as little as 48 Hours. Due to the increased risk for the lenders, because this program sits in the second position, the interest rate is higher than the bank, but there are no high lender or brokerage fees that you would normally see with a traditional second mortgage. In many cases this personal homeowners loan is suitable for most of our clients.

What are the Requirements?

  • Must be homeowners
  • Must have credit 600 or above
  • Must be able to afford the payments
  • Must need between $2500-$40,000

What you do not have to worry about?

  • No Lender fees
  • No Brokerage Fees
  • No Long application form to complete
  • No need to wait weeks to close and get the money you need.

This program has helped our clients receive the funds our clients need in a fast and reliable process, based on the equity in their property. See the difference for yourself and get approved today with our personal loan for homeowners solution program!

Increase Your Cash Flow With A Personal Loan For Homeowners 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

No matter your reason for the home equity take out, rest assured this personal homeowner loan could be the perfect solution for you. Quck funding in 48 hours or less.

What are you waiting for? See why many Canadians love to work with Citadel Mortgages, experience the difference yourself and get approved today!

Citadel Mortgages - Personal Loans For Homeowners - Private Mortgage - Second Mortgages

What Documents Do You Need For Your Home Equity Line Of Credit ?

These Documents will be required in order to close your personal loan for homeowner needs:

    •  2 IDS Front & Back
    • Completed Application Form
    • Void Check or Pad Form
    • Other documents may be necessary, our mortgage agents here at Citadel Mortgages will help you if any additional documents are required for your home equity loan needs


Your Journey Products


Our AffiliateS

CMBA_logo-Ontario Citadel Mortgage
finastra. Citadel Mortgage
canada-guaranty - Citadel Mortgage
Citadel Mortgages - get approved
homeownership_genworth Citadel Mortgage

Copyright © 2018 Citadel Mortgages  Lic # 12993,

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

Alberta Office – 421 7th Avenue S.W., 30th Floor, Calgary, Alberta, T2P 4K9

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

Esso and Price Privileges are trademarks of Imperial Oil Limited. Imperial Oil, licensee.  Mobil and Speedpass+ are trademarks of Exxon Mobil Corporation or one of its subsidiaries. Imperial Oil, licensee. For terms and conditions, visit

  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 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 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 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

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.

Visit to help you calculate the number of Miles you need to fly to your selected location.

Call Now Scroll to Top