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NP Mortgages vs Citadel Mortgages

Citadel Mortgages has advertised remote, part-time Mortgage Agent Level 1 and Level 2 roles. If you are weighing them up, here is what is publicly known about their posting, what NP Mortgages puts in writing, and the questions worth asking either way.

Citadel Mortgages — what is public

Roles advertised
Remote Mortgage Agent Level 1 and Level 2
Schedule advertised
Part-time
Market
Remote

Source: Publicly posted mortgage agent listing on Ontario mortgage job boards (checked September 2026). We publish only what Citadel Mortgages has stated publicly. Splits, fees and payout terms are not published by them, so we do not guess at them — ask Citadel Mortgages directly.

NP Mortgages — what we put in writing

  • Licensing course

    Mortgage Agent Level 1 course from $358. Book through us and the course fee is reimbursed once you are licensed with NP Mortgages.

  • Coaching

    One-on-one mentorship from top-producing agents, not a recorded onboarding video.

  • Cost structure

    Clear splits and no hidden desk or technology fees. You know what you earn before you sign.

  • Lender access

    Access to our full lender panel, plus an internal matching tool that shortlists products against a real client scenario.

  • Technology

    Agent portal with digital business cards, live rate sheets, calculators, marketing assets and booking tools included.

  • Schedule

    Full-time or part-time. Hybrid support from our Scarborough office or remotely across Ontario.

Considering Citadel Mortgages? Ask these before you sign anywhere

  1. 1What is the exact commission split, and does it change with volume?
  2. 2Are there desk fees, technology fees, compliance fees or E&O charges on top of the split?
  3. 3How quickly am I paid after a deal funds?
  4. 4Who trains me in my first 90 days, and is that person actively writing deals?
  5. 5Is my licensing course cost covered or reimbursed?
  6. 6Do I get leads, or am I expected to source every client myself?
  7. 7Which lenders can I submit to on day one, and which require volume first?
  8. 8What marketing, CRM and rate tools come included versus billed to me?
  9. 9Who owns my client database if I leave?
  10. 10Can I speak to two agents who joined in the last year?

Common questions

Is remote mortgage work realistic for a new agent?

It can be, but new agents learn fastest with live deal reviews. NP Mortgages agents work remotely across Ontario with scheduled one-on-one coaching so remote does not mean alone.

Can I join NP Mortgages while still taking my Level 1 course?

Yes. Start the course through us, get reimbursed when you license with NP Mortgages, and begin training before your licence lands.

Talk to us before you sign anywhere

A 15-minute call, no pressure. We'll walk you through the split, the fees, the training and the licensing reimbursement in plain numbers.