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All in One mortgage

Additional Information

I will give you the facts that your bank won't tell you about financing your new home or refinancing your existing home. The All in One Mortgage Solution allows you to tackle your debts and mortgage the right way by reducing your interest on all and becoming debt and mortgage free sooner!


How the All in One Mortgage Solution Works for You!

As we always hear, your money should never sit around. In fact, your money should always be working for you! What does this really mean though?

For years the banks have taught us we need to keep our debts including our mortgage separate from our savings, income, and investments but why? Think about if you have a checking account that has a line of credit attached to it and a regular savings account at the bank and you go to deposit your money into the bank…Which account will the bank choose to put the money in?  (Hint it is never the account with the line of credit.)

The banks have always wanted us to keep our debt high to make interest, but the secret is to have our money work for us not the bank!


Traditional Banking


Traditional banking keeps what you have (your earnings, savings, short-term investments, etc.) separate from what you owe (your mortgage, loans, credit cards etc.). By doing this you earn a lower rate of interest on your deposits and savings while paying a higher rate of interest on what you borrow which are your debts like your mortgage and credit cards. This keeps you in debt longer and paying more interest over time making it harder for you to retire at a decent age!


All in One Mortgage Solution


But what if your deposits and your borrowing were combined into a single account so that every dollar you earned automatically went towards paying down your debt?

That’s exactly what the All in One Mortgage Solution provides! It brings your mortgage, savings, and income together to help you:


  • save thousands in interest;
  • be debt-free years sooner;
  • enjoy financial flexibility; and
  • simplify your everyday banking.


This mortgage product is also calculated daily with interest rather then the normal way of semi- annually, because the interest is calculated daily this offers a big savings over a traditional mortgage. With the All in One Mortgage Solution every dollar you deposit goes towards paying off your debt, every day


Rates and account fees

For a low monthly fee of $16.95 ($9.95 for seniors age 60 and over), you get unlimited:

  • Deposits (Canadian funds)
  • Automated banking machine (ABM) deposits and withdrawals in Canada, where THE EXCHANGE®Network logo is displayed.1
  • Online, mobile and telephone banking services
  • Access-card purchases within Canada1
  • Pre-authorized payments
  • Bill payments
  • Funds transfers
  • Cheque writing (Canadian funds)
  • Mail-in cheques (Canadian funds)

The monthly fee will be waived when there is a positive balance of $5,000 or more across the account at the end of each month.


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*

Turn your Mortgage into a Pension

We hold "Turn your Mortgage into a Pension" seminars based upon the All in One Mortgage. To find out more on this seminar, please click on the link below

Find out more

what is required for purchase

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MLS and Full APS from purchase

Need the full package from your real estate agent.

Status certificate (condo/Townhouse)

Is a document that will give prospective buyers details of the financial and legal circumstances of both the condominium building and the particular unit they are interested in. A status certificate is also an important document for those lending money to finance the condominium and some town home units.

Most recent NOA

May be requested to show no income tax owing –  If income tax owing it will need to be paid out from the new mortgage upon closing.

Job Letter and most recent paystubs

Last 2 years T4s

Other documents may be required

Our mortgage agents here at Citadel Mortgages will help you if any other documents are required for your mortgage refinancing needs.

what is required for refinance

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Current Mortgage Statement

Must be dated same month as your application form, if you do not have one you can contact your mortgage lender and request one to be sent to you by email.

Most recent property tax statement

If you do not have this, then you can get the most updated statement from your local city hall.

Most recent NOA

May be requested to show no income tax owing –  If income tax owing it will need to be paid out from the new mortgage upon closing.

Job letter and most recent paystubs

Last 2 years T4s

Other documents may be required

Our mortgage agents here at Citadel Mortgages will help you if any other documents are required for your mortgage refinancing needs