Mortgages

We work with the top banks, trust companies, credit unions and private lenders across Canada. We have top tier status with them that allows us to get deals done and rates that only 5-6 brokerages in Canada have.

We all have many roles and hats that we carry and wear on a daily basis. Whether it be as a provider, nurturer, companion or simply as a human, I think we can all agree that we continually work towards some goal. As a man who has always put others before himself, I have almost 20 years of experience of providing valuable services to clients, I can truly say that I am a lucky guy and truly blessed on many fronts. But I'm not going to tell you that things have never been challenging because they can and have.

And that is why I chose to be a mortgage agent. I chose to be in this role and industry to assist individuals like yourself in achieving your mortgage & financing needs (whatever those are), both today and in the future. Drawing on my background as a Financial Coach I can provide the kind of advice you need, to help you make the decisions that are right for you.

I have been in the financial services industry for 5 years, and my areas of specialization include mortgages, personal finances, personal credit rebuild and financial coaching.  

“Motivation is what gets you started. Habit is what keeps you going.”

-Jim Ryun

Don’t get stuck with the only option your bank provides.

Get access to multiple lenders ensuring you can get the best mortgage for your needs.

My Personal Commitment to You

As part of our mortgage program, I will work with you to do the following:

  • Create a comprehensive strategy to help you secure the perfect personalized mortgage for your needs.

  • Put your plan into action and provide you with practical options that align with your mortgage and financing objectives.

  • Ensure you're in the know about the best options presently and as they evolve.

  • Citadel Mortgages is your COMPLETE SOLUTION for all of your mortgage needs, perfect for anyone looking for/to:

    • Refinancing

    • Home Equity Line of Credit

    • Reverse Mortgage

    • Transfer/Switch Your Mortgage

    • Home Renovation

    • Apply for a mortgage to purchase a home

    • Consolidate Debt

Agent License #M21001278

Citadel Mortgages-FSRA 12993

Apply for a mortgage to purchase a home

Leverage the equity in your home with a low-interest rate HELOC

A second mortgage is a lien taken out against a property that already has a home loan on it

Debt consolidation is a form of debt refinancing that entails taking out one loan to pay off many others.

Refinancing your mortgage means renegotiating your existing mortgage loan agreement.

A mortgage switch, or a transfer mortgage, involves moving your current mortgage from one lender to another.

Leveraging equity from your home is a great way to complete a home renovation.

A reverse mortgage is a mortgage loan, usually secured by a residential property, that enables the borrower to access the unencumbered value of the property.

Welcome to Your Path to Home Ownership! Rent To Own 

If you're struggling to come up with a down payment, have bruised credit, or are dealing with unexpected life events, don't give up hope just yet. Our rent to own program could be the solution you've been looking for. 

The rent to own program can help you if you if you fall into any of these categories below.  

  • Insufficient down payment or equity  

  • Bruised credit  

  • Undeclared or business for self-income 

  • New to Canada 

  • Unexpected life events  

  • Power of sale 

We understand that traditional banks can be inflexible and may not always take your unique situation into account. That's why we work with investors who are socially aware and passionate about helping individuals and families become homeowners. 

If you've been declined by the banks due to credit, income, or a low deposit, we offer personalized financial coaching to improve your overall financial profile and boost your credit score. Our rent to own program has a 97% exit success rate when working with us as your mortgage agent. 

We're proud to work with the longest-running and most established rent to own program in Canada. Our goal is to help you use the rent to own option to achieve your dream of becoming a homeowner. So, take that first step and book a coaching package today. 

Click Me to get Started ⬆

Looking to secure a mortgage can be a stressful and overwhelming experience, especially when it comes to providing all the necessary documents. But don't worry, when you work with me, you can rest assured that I will be with you every step of the way, making the process as smooth and hassle-free as possible.

See the Difference for Yourself, Get Approved Today!

Alternatively, reach out directly

Tel: 647-784-2558

Email: Robert.smith@citadelmortages.ca

Robert Smith, Mortgage Agent Lic #M21001278

Citadel Mortgages – FSRA 12993