Mortgage with Lauren

Mortgage with Lauren Hi there, I'm Lauren! Welcome to my page where I will be sharing some great industry knowledge, tips Experience the difference today.

Citadel Mortgages is one of the largest full-service Mortgage Brokerages with professional Mortgage Agents & Mortgage Brokers servicing GTA, Toronto, Ontario, Alberta, Saskatchewan, PEI, Newfoundland, New Brunswick, Nova Scotia, and British Columbia, Canada. Citadel Mortgages help Canadian’s become mortgage-free sooner or get the lowest rates and best terms for their mortgage journey needs. FSRA #

12993, Nova Scotia License – 2021-3000010 – FCAA 509446 –

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

Nova Scotia Office – 1701 Hollis Street, Suite 800 Halifax, NS B3J 3M8

Saskatchewan Office – 2010 – 11th Avenue 7th Floor Regina Saskatchewan S4P0J3

Newfoundland Office – 1 Church Hill – Suite 201-522 St. John’s Newfoundland A1C 3Z7

New Brunswick Office – 500 St George Street, Moncton NB, E1C 1Y3

British Columbia Office – 4170 Still Creek Drive Suite 200, Burnaby BC, V5C 6C6

Citadel Mortgages is licensed in the following: Ontario FSRA 12993 – Saskatchewan FCAA 509446, Nova Scotia 2021-3000010 – Alberta, PEI, Nunavut, Newfoundland 21-07-CI083-1. New Brunswick 210031130, British Columbia X301267

Happy Wednesday friends! Just a friendly reminder: Your financial situation doesn't define you!📢If you lost your job, yo...
12/15/2021

Happy Wednesday friends!

Just a friendly reminder: Your financial situation doesn't define you!📢

If you lost your job, you won't be broke forever. If you have debt, that doesn't make you a failure ( 86.82% of Canadians are in debt) If your budget is stretched, that doesn't mean you can never learn to manage your money better.

No matter how badly your situation may feel, you are not alone and there are solutions. The sooner you explore your options, the sooner you will have some peace of mind.

Financial stress arises due to any number of reasons. It also doesn't discriminate; anyone can feel stressed financially. The way you help yourself is how you can ease that stress.

Helping yourself out of debt and dealing with financial problems isn't a fast or easy process but setting yourself up for success and looking after your long-term financial stability is always worth the effort!

You should be proud of all the work you've been implementing in working that debt down, saving that extra amount this month or that you've paid off your student loan! These are all small steps to a bigger picture.

Celebrate all the small financial wins you've achieved so far! If your big goal is purchasing your first home, let's work on that together! You're not alone and there is always a solution.

I'm here to help whenever you need. ❤

Let's Chat!
Lauren Buchanan Lic # k-164244
[email protected]
Citadel Mortgages FSRA # 12993

Unsure whether a variable or fixed rate mortgage is good for you? Let’s talk about it! Please get in touch!Lauren Buchan...
12/10/2021

Unsure whether a variable or fixed rate mortgage is good for you? Let’s talk about it!

Please get in touch!
Lauren Buchanan Lic # k-164244
Citadel Mortgages FSRA # 12993

Life happens! 🤷🏼‍♀️Homebuyers should always try and look at their life plans, as best they can, in order to know how bes...
12/09/2021

Life happens! 🤷🏼‍♀️

Homebuyers should always try and look at their life plans, as best they can, in order to know how best to select a mortgage. Planning ahead can result in you saving thousands of dollars down the road.

Questions to consider asking yourself:

> Do you anticipate staying in your home for 5 years or longer?

> Are you planning to start a family or grow your family?

> Do you plan on moving for work?

> Do you want to pay off your mortgage quickly?

> Are you covered if a member of you family faces a job loss or illness?

The fact is, life doesn’t slow down for the challenges and it doesn’t slow down for the victories. Creating a plan can help the ride be a little less bumpy and having a Mortgage Agent on your side can give you a little more support ✨

Please get in touch!
Lauren Buchanan Lic # k-164244
Citadel Mortgages FSRA # 12993

Are you a first time home buyer? 🏡The Home Buyers’ Plan (HBP) is a Canadian program that allows you to have access to yo...
12/08/2021

Are you a first time home buyer? 🏡

The Home Buyers’ Plan (HBP) is a Canadian program that allows you to have access to your RRSP as a down payment!

You have access to up to $25,000 ( tax-free 🤯) to buy a qualifying home for yourself.

If you’re purchasing a home with another person who is also a first time buyer, they also have access to the HBP of $25,000 for a combined total of $50,000 to towards your down payment!

This a very attractive program for people because it allows you to put more money down without the taxation and the penalties.

Please don’t hesitate to reach out to me if you have any questions or how to qualify.

Get in touch!
Lauren Buchanan Lic # k-164244
Citadel Mortgages FSRA # 12993

When trying to make a large financial decision it can be hard finding a Mortgage professional you can trust. In Canada, ...
12/08/2021

When trying to make a large financial decision it can be hard finding a Mortgage professional you can trust. In Canada, you have the choice between a Bank or Credit Union representative and a Licensed Mortgage Broker.

As a Mortgage Agent working for a Mortgage Broker, I have access to the same programs the Banks and Credit Unions do. More often than not, Mortgage Professionals have access to a wider range of products than the Banks. Typically, Banks and Credit Unions can only sell their own products.
This means, working with a Mortgage Agent, you will likely have better options that better suit your current financial situation. There is a huge misconception about working with a Mortgage Agent. People tend to think you go to them after your Bank has declined your file. This is far from the truth.

Lenders come in many different forms and it's about finding one that works best for you.

Banks are common in the marketplace and tend to be some of the largest lenders but with limited product options.

Monoline Lenders specialize in a single product. Mortgages. They work with only Mortgage Brokers passing savings on to the client with low rates and low payout penalties.

Credit Unions are provincially regulated in Ontario. They are regulated through the Ministry of Finance's Financial Services Commission of ON. Clients of Credit Unions are member-owners of a financial co-operative. They also only have access to their own products.

Alternative Lenders are a flexible solution for clients that don't meet current qualifying criteria.

Mortgage Brokers have access to Private Lenders who may be a corporation that have a pool of funds from investors or individuals that lend their own money in the form of a mortgage.

There are virtually endless reasons why deciding a Mortgage Broker over a Banker is most likely the best fit for you. If you are still unsure, let's chat to figure out your best fit! 🏡

Please get in touch!
Lauren Buchanan Lic # k-164244
Citadel Mortgages FSRA # 12993

hi, everyone! ✨I’m Lauren. I’m a new mortgage agent serving all of Ontario for all your mortgaging needs! I’m excited to...
12/06/2021

hi, everyone! ✨

I’m Lauren. I’m a new mortgage agent serving all of Ontario for all your mortgaging needs! I’m excited to get the ball rolling, learn more, talk to you all and help you on your way
to homeownership! 🏡

Please get in touch!
Lauren Buchanan Lic # 164244
Citadel Mortgages FSRA # 12993
[email protected]
613.805.0135

Do you have plans on purchasing a home, refinancing or wanting a home equity line of credit (HELOC) but don’t know where...
12/06/2021

Do you have plans on purchasing a home, refinancing or wanting a home equity line of credit (HELOC) but don’t know where to begin?

Contact me to help walk you through the process! You’ll have an understanding of how you qualify based off of your current financial situation. This means you’ll know exactly what your budget will be, what a refinancing would look like for you or how much equity you have put into your home and how you can use it!

Please get in touch!
Lauren Buchanan Lic # 164244
Citadel Mortgages FSRA # 12993
[email protected]
613.805.0135

Address

9005 Leslie Street
Richmond Hill, ON

Telephone

+16138050135

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