Citadel Calculators Loan-to-Value Ratio

  
 
 
 
  
 
5.0
 
5.0
 
Top Rated Service 
 
 
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 Xixi 
 
5 June 2026
 
 
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My husband and I migrated from New Zealand to Australia about 1.5 years ago. Without family financial support, we knew we needed to build strong foundations for our future, and that simply saving wasn't going to cut it. After doing research with NZ brokers and advisors, moving to Australia left us feeling stuck on where to start. We had been following 'Wealth by Michael' for a while, and when I reached out to him, he recommended Citadel to us. ​From day one, Jadd and Omar took the time to truly understand us and our life goals. They were incredibly approachable, providing practical tools to help us navigate big decisions like buying an owner-occupied property versus rent-vesting, when and where etc. ​They literally walked us through the entire process and built an absolute dream team around us, coordinating with Mortgage Brokers (Helen and Andrew from Property Finance Specialists), ​Conveyancer (Kim), and ​Property Managers from Harcourts. ​Together, they guided us through market trends, rates, and negotiations with endless patience and care. When our first property negotiation didn't pan out, Jadd and Omar didn't let us lose momentum. They quickly pivoted, did further research, and presented new options perfectly aligned with our goals. The time and effort they saved us was invaluable. ​We spoke with several other buyers agents before choosing Citadel. What set them apart was their diligence, rigorous data-driven research, and genuine care. Partnering with them is an investment that is absolutely worth making. Thank you so much for everything!
  
 
 
 
 
 
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 Muhammad Zohaib 
 
2 April 2025
 
 
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I had an amazing experience with Citadel Agency, and I can’t thank Jadd enough for his support throughout my home purchase and investment journey in Australia. From the very beginning, he guided me through every step—answering all my questions, checking the property, negotiating on my behalf, and even helping me arrange tenants. His professionalism and dedication made the entire process smooth and stress-free. Thanks to his expertise, my property has performed exceptionally well. I highly recommend Citadel Agency and Jadd to anyone looking for a knowledgeable and supportive real estate professional.
  
 
 
 
 
 
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 Daisy Richardson 
 
28 August 2026
 
 
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The agents at Citadel are a dream to deal with, friendly, knowledgeable, dedicated and trustworthy. They take the time to get to know their clients and their needs, so you never feel like just another number.
  
 
 
 
 
 
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 simon 
 
25 June 2025
 
 
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Buying interstate always felt a bit daunting, but Citadel made it easy. They know Melbourne’s property scene inside out and were always one step ahead. From shortlisting suburbs to crunching the numbers, their analysis was spot on. We appreciated how accessible they were and no question was too small, and they really took the time to educate us along the way. Plus, they absolutely nailed the negotiation. Wouldn’t hesitate to use them again or recommend them to others.
  
 
 
 
 
 
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 Helen Androulidakis 
 
11 December 2025
 
 
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We recently used Citadel as our buyers agent and the experience was absolutely flawless. Coming from a prestigious buyers agency myself, my expectations were extremely high. Omar & Jadd exceeded every single one of them. They were always available for a chat, negotiated confidently on our behalf, and made us feel supported from start to finish. They took all the hard work out of the process, making the entire journey smooth, stress-free, and enjoyable because not only are they very professional and amazing at what they do, but they are also genuine people- we always have a laugh like we have known them forever. What really stood out was their ongoing support beyond the purchase. From guidance on property management to helping us map out a sophisticated long-term strategy, they gave us a clear game plan and genuine clarity for our future property goals. This is definitely a long-term relationship for us. We highly recommend Citadel to anyone looking for a top-tier buyers agent who delivers quality, expertise, and true care for their clients.
  
 
 
 
 
 
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 Cheryl Kaur 
 
10 July 2025
 
 
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We recently settled an investment property through them and couldn’t be happier with the result. It was an off-market purchase that perfectly aligned with our goals — great yield, strong location, and excellent value. Jadd went above and beyond to negotiate a generous discount on the property management fee, which added even more value to the experience. The entire team was professional, responsive, and genuinely committed to delivering the best outcome. Highly recommend Citadel to anyone looking to build wealth through property with the support of a knowledgeable and proactive team.
  
 
 
 
 
 
 Posted on Google  
 
  
 
 
 Bernard Abou-Saba 
 
15 April 2025
 
 
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I have had the pleasure of dealing with Jad and Omar from Citadel Agency as our buyers’ agents for over 2 years, and the experience is always nothing short of exceptional. They are professional, responsive, and incredibly knowledgeable about the market. They took the time to truly understand our clients goals and gave us honest advice, and went above and beyond to secure the right property. Their negotiation skills, attention to detail, and client-first approach made the entire process smooth and stress-free. Our clients feel well supported and well-informed every step of the way. Highly recommend Jad and Omar to anyone looking for dedicated and trustworthy buyers’ agents!
  
 
 
 
 
 
 Posted on Google  
 
  
 
 
 Jaimee-Lee Edwards 
 
31 May 2025
 
 
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Exceptional service from start to finish. Jadd was incredibly knowledgeable, proactive, and truly went above and beyond to secure the right property for me. His communication was flawless, and advice was spot-on throughout the entire process. I couldn’t be happier—highly recommend!
  
 
 
 
 
 
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 Muhammad Imran 
 
10 June 2025
 
 
 Trustindex verifies that the original source of the review is Google. 
Couldn’t recommend Citadel Agency more highly. Their property research across Metro Melbourne was on point — super thorough, data-driven, and easy to understand. They didn’t just throw stats at me, they actually explained what it all meant and how it fit with my goals. Felt like I had an inside edge the whole time. The team was easy to chat with, quick to respond, and genuinely cared about getting the best outcome. Took a lot of the guesswork out of the process. If you’re buying in Melbourne and want to feel confident, start with these guys.
  
 
 
 
 
 
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 Sami El'Souki 
 
14 October 2025
 
 
 Trustindex verifies that the original source of the review is Google. 
Omar was incredibly responsive throughout our property acquisition journey. His sharp negotiation skills and clear communication made securing the right investment feel effortless. Every step was handled with speed and strategy. If you want a buyer’s agent who’s on the ball and truly delivers, Omar’s your guy.