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My Rates

6 Months 3.34%
1 Year 3.49%
2 Years 3.19%
3 Years 2.99%
4 Years 2.99%
5 Years 2.99%
7 Years 3.54%
10 Years 4.04%
6 Months Open 6.70%
1 Year Open 4.45%
*Rates subject to change and OAC
AGENT LICENSE ID
M14000545
BROKERAGE LICENSE ID
12993
Tristan Kirk Principal Broker | Managing Partner

Tristan Kirk

Principal Broker | Managing Partner


Phone:
Address:
30 St Patrick Street 4th Floor, Toronto, Ontario

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Citadel Mortgages is your COMPLETE SOLUTION for all of your mortgage needs. Our complete mortgage solution programs are perfect for anyone looking to buy a new home, refinance, obtain a second mortgage, consolidate debts, access the equity in your home or are self – employed.

See the Difference for Yourself, Get Approved Today !

 

 

The Citadel Mortgage Social Awareness Program

Citadel Mortgages believes in supporting our community and the people that need our support. That is why once your mortgage closes we will make a donation to a charity or foundation on your behalf of your choice !

If you do not have a charity or foundation you would like to donate to you can choose any one of the foundations we support !

When your mortgage closes we give back to the community, lets make a difference together !

 

We Have Partnered With Forest Farmer !

 

For those of you familiar with Citadel Mortgages, you know that environmental sustainability is at the top of our check list when it comes to our business practices. That’s why for every mortgage closed with Citadel Mortgages, we plant a tree in your name to support Canadian forest restoration. This initiative started in 2018 when we partnered with Forest Farmer™, a Canadian company that strives to address climate change and restore habitat through Corporate Social Responsibility and planting trees.

 


See the Difference for Yourself, Get Approved Today !

attain Mortgage

More than just Mortgages. We can help you build your future.

attain Mortgage

More than just Mortgages. We can help you build your future.

BLOG / NEWS Updates

Bank of Canada maintains overnight rate target at 1 ¾ percent

The Bank of Canada today maintained its target for the overnight rate at 1 percent. The Bank Rate is correspondingly 2 percent and the deposit rate is 1 percent. The global economy is showing signs of stabilization, and some recent trade developments have been positive. However, there remains a high degree of uncertainty and geopolitical tensions have re-emerged, with tragic consequences. The Canadian economy has been resilient but indicators since the October Monetary Policy Report(MPR) have been mixed. Data for Canada indicate that growth in the near term will be weaker, and the output gap wider, than the Bank projected in October. The Bank now estimates growth of 0.3 percent in the fourth quarter of 2019 and 1.3 percent in the first quarter of 2020. Exports fell in late 2019, and business investment appears to have weakened after a strong third quarter. Job creation has slowed and indicators of consumer confidence and spending have been unexpectedly soft. In contrast, residential investment was robust through most of 2019, moderating to a still-solid pace in the fourth quarter.

LISTINGS FALL AGAIN TO END 2019, PUSHING PRICES HIGHER

Canadian Real Estate Association data show that national-level home sales fell 0.9% (sa m/m) in December 2019 after rising in the previous nine months. Limited availability looks to be increasingly weighing on sales activity. The month saw another broad-based decline in new listings18 of the 31 centres for which we have data witnessed fallsthat lifted the national sales-to-new listings ratio to 66.9%. It was the highest ratio since 2004 and a third straight month of supply- demand conditions tilted in favour of sellers (after data revisions). Fourteen cities reported sellers market conditions; the rest were balanced. The aggregate MLS Home Price Index (HPI) rose 3.4% (nsa y/y), its best gain since March 2018. Montreal remained Canadas tightest local market, with rising sales and falling listings leading to yet another record-high sales-to-new listings ratio and the citys steepest y/y MLS HPI gains since 2005. Ottawas ratio also reached a new high as new listings plunged by more than 20% (sa m/m), driving a record 12.5% (nsa y/y) MLS HPI increase. Toronto also crept into sellers market territory for the first time since March 2017as in Montreal, home purchases rose and new listings felland its 7.3% (nsa y/y) HPI rise was the sharpest since 2017. Click here for more. Source: Scotiabank Economics

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