Great experience overall. A little complicated at first as you need to provide a lot of information, but they gave me the best rate upfront by far, didn't have to negotiate. Also had great benefits/offers available. Answers every concern very quickly at anytime of the week. Less

One of the best company I have dealt with. They really kept my interest as priority. Had dealt with two mortgage brokers before working with Samah Kahlil from Citadel. Even thought deal did not workout first time, she persisted and closed the deal with really good rate. Hard working, persistent and timely. Highly recommended. Less

Absolutely fantastic mortgage broker to deal with. From initial inquiry through to final signing of papers, Roger and Citadel were great. Always quick with answers to questions. Highly recommend using them for any of your mortgage needs. 👍👍👍🥇 Less

Citadel Mortgages stole my prepaid yearly fees and paid me 5 bps on my first mortgage deal. If you’re thinking of becoming an agent or broker here. I recommend you don’t. Less

First time home buyer and was super nervous but to be honest working with Citadel Mortgages was super smooth and the the people who work their are amazing. I'm glad I was able to deal with Citadel and I'd surely recommend them to all my friend and family who would be looking for property in the future. I'd love to avail their services again when I'm looking to upgrade. Less

My family is very grateful to Citadel Mortgages especially to Ms. Sydney Tolentino. Because if not for her and her expertise we’re not able to acquire our so called “home” today. She’s very helpful and knowledgeable in every way, that made the whole process very fast. Please continue helping other people in achieving their dreams of having their own house! 💗 Less

The first time I reached out to Angelica Soriano was God sent! We were trying to find someone who could provide the support we needed and yet she pulled it through! It was a tough journey but we made it because of her hard work! We are so lucky to meet and work with her! Nathan and Angelica are the best duo out there! So professional and detail-oriented! Thank you for helping us secure our home! We hope you continue to help others! Less

Me and my husband are extremely happy that we chose Citadel Mortgages as our broker. Our mortgage broker Mr. Vipul Agarwal, is extremely efficient, professional and hardworking person. He was always available to answer any of our questions. He replied promptly to all queries and emails sent and was polite and courteous. He arranged a best rate of interest with a good lender in a short time. We strongly recommend Mr. Vipul Agarwal and his team. Less

We greatly appreciate Thuy Tran. She has professional knowledge, provided updates and kept me informed while my application was in progress which made me feel comfortable and confident with getting a mortgage. It was a great experience working with her. She gave us huge help when we really needed funds and most of all reliable. We would strongly recommend her for anybody getting a mortgage. Less

Excellent, I had the pleasure to work with Roger, and Tristan, I could have not asked for a better team. Thank you so much for helping me, your promptness, and Roger Lam you always answer all my concerns. You both came thru on this deal. I will definitely recommend Citadel. Thank you Lisa and Chris Less

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I had a wonderful experience working with a team at Citadel Mortgages, especially with Rezwan Tarin whose expertise and advice were invaluable for my decision making in purchasing my first property in Canada. His constant guidance through the entire process made this a very smooth journey for me. Thank you, Rezwan! Less

They act as your partner, keeping your informed every step of the way. If you want the best, just ask for Samah. She makes your experience so much better. Very professional. Less

We have been working with Roger on our home financing needs and he has provided the best service we have experienced to date! Roger is very knowledgeable and supportive, and has provided lots of information to help us in making decisions for our home! We would highly recommend working with Roger and look forward to working with him again in the future! Less

Wow! The customer service through Citadel is second to none! I worked with Roger Lam and he went above & beyond to get the best rate he could for me on a really tight time constraint. Not only that, he consulted with his team to help figure out solutions to my unique and perplexing issues with my current lender. I have never received such personalized, knowledgeable, responsive customer service. I highly recommend Roger and the Citadel team to anyone looking for mortgage solutions. You won't be disappointed! Less

Had the unfortunate experience trying to get mortgage rates with Citadel. We are a good income/credit family with no debt. They promised lower rates…while continually asking for more and more personal info. They require more info than any other bank/broker out there. Just when you think you are finished they will ask for more. Still unsure if we were just scammed for our personal info. It may work, but if you aren’t desperate than don’t waste your time. Less

I came to Citadel with a very challenging and complex case Robert managed to make everything simple for my wife and I Robert was moved throught everything with speed and precision. Take my word when you meet Robert you will know he's exceptional. Thank you Robert we look forward to working with you on our next renewal. Less

Robert was very easy to with. He gave excellent advice on the different options available to me. This was a renewal for me. I experienced a bit of a snag that could have detailed the whole process. With Robert's help the problem was solved efficiently and expertly. Robert was a pleasure to work with. He was always pleasant and took the time to explain everything. I would recommend him highly. Less

As a first-time home buyer, I was naturally nervous about the entire process. Throughout the entire home buying process, Neeraj was extremely transparent with me. He provided me with all the information I needed and was always upfront about any risks or concerns. I never felt like he was holding anything back or trying to sell me something that wasn't right for me. I will definitely be reaching out to Neeraj for my next property purchase. Less

I never dealt with such an Amazing Professional in my entire life, Louis Amaral of Citadel Mortgage is the real deal!!! He is fast efficient, and so detailed an absolute pleasure to deal with he takes the time, he is so knowledgeable, he is someone that I would recommend at the highest level!! You are in the best hands if you are looking for a mortgage he will not disappoint he has made this experience so positive and I cant say enough about him!! Please go see Louis he is amazing, don't wait call him you will not regret it!! Less

I have expressed multiple times I do not need a mortgage or any services provided by you. Please stop spam calling me, texting me, emailing me. I have tried blocking numbers but they somehow keep switching to different numbers or emails to keep spam contacting me. How many times do I need to say no for it to be enough? Less

From start to finish, Mark Rallo was nothing short of professional, efficient and thorough. His attention to detail and mindfulness of time constraints reassured us that we definitely made the right decision in choosing Mark as our Mortgage Broker. He acted on our behalf and followed up/liaised with other professionals when we were not available due to other commitments. Moreover, a genuine level of trust was established immediately and at no time did we not feel supported and well guided. I am confident that anyone who utilizes Mark's services will no doubt be more than satisfied. He is a true professional who not only gets the job done, but is truly passionate about helping his clients. I would highly recommend Mark and will most definitely be happy to work with him and Citadel again! Less

I had an excellent experience with smooth process through Pre approval and finding lender with Citadel Mortgages. Kudos to Jay Vyas, who helped me a lot with documentation, getting pre approval and get the best mortgage rate. I found him informative and helpful with my queries throughout the process. Being first time home buyer, I am very impressed with the level of dedication and service I received from him. Thank you Jay. You are the best! Less

I have found these people to be quite efficient and empathetic, as well as patient-as my situation was difficult.I admit, I was scared. People should definitely go through Citadel, trying a bank was intimidating and even repellant. Citadel is #1 !!! Less

Made our family dream come true with their efficient ability it get us a mortgage on a place we can now call home. Robert did his very best to ensure we were comfortable with every step we took, and gave us the best bang for our buck. Don't ever hesitate to choose Citadel as a starting point to make your dreams come true. Less

Rolando Agreda worked with us every day of the process to ensure we were getting the best possible rate for our renewal. He was genuinely involved in our case and was professional and knowledgeable. We couldn't be more grateful. Thanks Rolando!!! Less

I worked with Mark & there's no one I'd personally recommend more then him , I told him I really wanted a Christmas tree up in my new house this year and he done everything he could( even though I know I must have been driving him crazy)& we move in on Dec 16 all thanks to Mark.. Less

My wife and I were forced to acknowledge a debt that was not mine Blair lowndes agent and rocky rikhy manager forced us to accept a payout by stating no one will lend us but citadel will if we acknowledge this debt they then failed to acquire us funds they refused to proceed unless we agreed this was extortion using our situation as leverage Less

Worked with Jason FENECH at citadel mortgages, outstanding experience! He answered all of my questions with ease, I had no surprises and was 100% satisfied with the completion of my mortgage with Jason and citadel, thank you! Less

Just finishing successfully my mortgage refinance journey guided by Frank Petruzza. Having someone with professional knowledge, helping with one of the most important family assets is crucial. Frank used his knowledge to walk with me in the full process of my application, answering every question, and explained every step of the process, making immediately a connection of trust and confidence. 100% recommendable, Thanks Frank !!! Less

It was a pleasure working with Jermaine at Citadel. What I lived most was the thoroughness and efficiency of their process. I recommend them to any one looking for help with their mortgage needs. Less

I should not proceed and had my credit score pulled. No even private lender they cannot close deals. They really don't have access to private lenders Less

Rami the customer assistant was very good and helpful, however: I was told the rate of interest was 3.45%, then 3.7%, then 4.2% in a matter of a week. They should not advertise a low rate to get customers in. The document I was presented as the lender offer spelled my name wrongly, was a template with clauses that did not apply to me, contained unacceptable collateral clause, did not disclose insurance rate for title. It had not been proofread and checked before being presented to me. The secure portal they use to upload client info and documents was bad in that it did not work correctly, did not upload correctly, and caused Rami to put in far more work than was needed. Rocky, I guess Rami's supervisor said to give him a couple of days to look at other lenders, which I agreed to . But, next morning I was asked what do I want them to do as nothing was going to change from the lender's document I was presented with. I think the issue here is that the industry is busy and they are trying to get as many products out of the door as fast as possible. However attention to detail is lacking and its shoddy when quantity is more important that quality, certainly in my case. No doubt they have helped many people in a fine and acceptable manner, but everyone should be comfortable dealing with any service company, I was not here. Less

I just closed on my mortgage last month . I dealt with Alex as my broker and I couldn’t have asked for better . She was very quick to answer any and all concerns I had at anytime. Very knowledgeable and helpful . My mortgage was closed with time to spare 👌Definitely ask for her when you get in touch with citadel !! Less

There are no words for the gratitude I have for Michelle V and team at Citadel. I went through the mortgage process for the first time as a solo applicant while also going through the end of a marriage and Michelle's kindness, compassion, understanding and work ethic made both situations better. To top it all off, Michelle got me exactly what I was looking for with a rate I only dreamed of. Michelle and team are the ONLY people I will recommend to family and friends. Thank you Michelle <3 Less

Robert Ip recently helped me close my first home! And I can whole heartedly recommend his services. It's a cliché to say that I couldn't have done this without him, but in this case it's true too! Without his attention to detail and superb organizational skills I doubt we could have satisfied the lender and finalize the deal in time for the closing date. Hectic doesn't even come close to describe it! I had a great team supporting and helping me throughout this new chapter of my life and Robert was a fantastic addition to that team! Less

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Imagine the world we’d live in if everyone in it was as determined, caring, professional, and detail-oriented as Aleks from Citadel Mortgages is. Nobody has asked me to write this, and I don’t get anything by leaving this review. In fact, I carefully considered whether or not to even write this, but I’m writing this because I think it’s important you know that in the dirty, filthy and disgusting world of sleazy and greedy mortgage lenders, brokers, insurance agents and so forth; It was nice to be able to sleep easily knowing I had Aleks looking out for my best interest through the process of getting a new mortgage. The best thing you can do is pay cash for your house, If that’s not in the budget, the next best thing you can do is call Aleks. Best of success in your new endeavour random person reading this long a$$ review… Aleks, you’re a rockstar, I can’t wait for another fire night and Barbacoa tacos. Anyone who has any administrative power reading this, all your qualified leads should go to Aleks first, don’t waste her time with anything else. Also, give her a yearly bonus just for existing. Cool? Cool. Kindest regards, -AK Less

Robert Ip is a professional and dependable Mortgage Officer. Even though the market is very busy right now, he analyzed my case and listened to my mortgage needs then acted to get me the best deal out there. 100/100 will recommend blindly to all my friends and family. Less

Robert helped me with my latest mortage renewal. Robert was a pleasure to deal with. He was professional, easy to communicate with and always kept me updated. I would definately recommend Robert 100% Less

Brandon Arantes guided me through the entire mortgage pre-approval process. Having very little knowledge on how this all works, Brandon ensured to keep me informed and apprised of all steps as we moved forward through the process. With the market being as it is, Brandon hustled, worked extremely hard and advocated on my behalf with different lenders. As a result, I came out with an excellent pre-approval rate with an ‘A’ lender, which is not easy in today’s climate. Brandon knows what he is doing, and when you are dealing with financial matters, you want an agent who genuinely has your best interests at heart. I’m very impressed with the level of dedication and service I received and will be using Brandon’s services going forward. Less

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Ivy is very good. She will do everything for you and will go out of her way just to help her clients. That's how good she is. You are more than just a client to her you become a friend and a family too. 🙂 Less

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Citadel Mortgages agent is very knowledgeable and is always looking after the best interest of their clients. Michelle Verzola is the best agent I've ever had, she's very quick and witty in handling all my queries. Thank you very much Michelle, I really appreciate all your help. You're the best! :) Less

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Jay Vyas at Citadel Mortgages guided me throughout my mortgage process. His knowledge and his quick responses is what helped me a lot. Highly recommended! Less

I had a great experience working with Jay Vyas. He is professional, attentive and knowledgeable. I couldn’t ask for more in a mortgage broker. He was always willing to help and always available to answer my questions. Would definitely recommend him! Less

Jay Vyas from Citadel Mortgages provided excellent support throughout the mortgage process, right from application to the approval. Highly recommended! Less

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I'm Writing this on behalf of my Dad Alan Drumm. He was given Meaghan Oliver Name from my husband. Working with Meaghan with my dad was amazing experience. She worked hard and well with my dad and helps him in any way possible. She explained things to him to understand what's was going on. Her work ethic, her communication and her patience with him help make the transaction easy and simple.We both will be recommending Meaghan and Citadel Mortgage to others that need it. Thank you Meaghan Less

I was trying to get a rate quoted for a renewal and these guys are requesting 15 different documents before giving me the rate, including CRA records for 2 yrs, 1 year bank statements, Condo financial statements, void cheques, and many many more. I understand all these are required if I was doing an application. Its just crazy. Less

Michelle Verdoza from Citadel Mortgages is the most AMAZING mortgage agent to have in your corner! She definitely deserves a medal for her efforts and raise! Michelle went above and beyond to make us feel comfortable as first time home buyers, found answers to all our unique questions and solutions to navigate our tricky situation. Her professionalism and communication was incredible, constantly checking in with us to make sure we had everything we needed to make our decisions and just to feel supported. She would even just message us to wish us a good week ahead! Her kindness and personable demeanor inspired and encouraged us, making us feel like friends as well as clients. Even after our situation didn’t work out she remained in contact which really helped with how we were feeling. She is just such an incredible person, agent and support system why getting a mortgage, you won’t find better!!! Thanks Michelle for everything! - Rhiannon and Andrea Less

Reilly was very helpful explaining and walking us through the mortgage process. As first time home buyers, we relied heavily on him. He ended up getting us an amazing rate with terms that we were very happy with! He really did go above and beyond. Highly recommended! Less

Just finished my refi with Citadel. This is my SECOND time working with Aleks and highly recommend speaking with her. Professional, quick, and no beating around the bush. Great service and friendly individual. Would use again! Less

My mortgage application experience has been very smooth thus far. My Agent, Michelle, has been extremely responsive and helpful throughout the entire process. I highly recommend using Citadel Mortgages! Less

I had pleasure of getting services of Dipak Patel from Citadel Mortgages, It was smoothest experience we had with Mortgage broker. He was professional, pro-active and cared for getting best rate and best lender from Market. I would go to him for future Mortgage needs any time. Total treat. Thank you for best overall experience. Less

Recently, my wife and me wanted to purchase the condo of our dreams. We were fortunate that we got in contact with Alexandria Iankoulov from Citadel Mortages who guided us through the whole mortgage process. She explained clearly what we needed to do, what documents we needed to present, and what to expect in any step of our application. We were amazed that she was always there to answer in detail the questions we have and to tell us what we should do to be successful in the application. She was at the same time professional, friendly and always willing to help. We thanks, Aleks for all her help. Now, we are living in the place we wanted, and of course, we won’t hesitate to recommend her! Less

Aleks is amazing. She guided me through the process and was able to get me what I needed to proceed with investing. Always there with answers to everything. Love working with her and Citadel Mortgages!! Less

I was contacted by Michelle Verzola from Citadel Mortgages. She was always available when I had a question and answered all my inquiries. Although I wasn’t able to complete my application because it was not the right time for me, I will definitely contact Michelle when I am ready. She is very personable and sweet and always a pleasure to speak to. Thank you Michelle for al your help! You have my business in the future! Less

Above and beyond service by Sri Harsha Goli. He is very knowledgeable, professional and answered all my questions. Will work with him and highly recommend him to anyone looking for a mortgage agent! Less

A lot of red flags here. Were very insistent they needed all the details and documents normally needed to finalize a mortgage in order to merely disclose the rates that are available. I can understand how that might be necessary for some more complicated situations. However for simple rates on uncomplicated mortgages any broker worth their salt will be able to tell you a rate that will roughly match what they are able to provide based on a few general questions (assuming you are not misleading). You don't need people's income and bank statements to do that. I see a rather patronizing response to a previous reviewer who mentioned this issue so apparantly I am not alone in my experience. Less

We worked with Brett Heuscher to purchase a home in another province. There were a few obstacles to overcome and Brett was amazing in helping us to realize our goal. My friends were amazed that I could just send a text and get a reply to my broker pretty much anytime. Less