MORTGAGES MADE EASY REGARDLESS OF CREDIT & INCOME !

RESIDENTIAL COMMERCIAL AGRICULTURAL

WE GET IT DONE RIGHT !


Trillium Mortgage offers competitive mortgage rates tailored to your unique financial situation, regardless of your credit history. Explore our diverse range of mortgage options, including both conventional and private mortgages, designed to meet the needs of any borrower.


For over 30 years, Trillium Mortgage has been helping Canadians close hard-to-get mortgages and has been the go-to source for individuals who have faced rejections from banks and mortgage brokers.

With just one application, you can access our extensive network of over 300 private lenders across Canada and the USA, ensuring you get the best rates possible, no matter your credit score or income.


We specialize in difficult to place private mortgages for residential, commercial & agricultural properties.

Non-provable income, self employed, bad credit, income tax arrears, property tax arrears & mortgage arrears applicants welcomed !

Free Consultations

ONTARIO'S CHOICE FOR ALTERNATIVE FINANCING

  • CLEAR COSTS

  • QUICK CLOSINGS

  • 24 HOUR APPROVALS

  • 300+ PRIVATE LENDERS

  • DISCOUNTED RATES & FEES

  • ALL CREDIT SCORES ACCEPTED

Since 1989 we’ve helped those across Ontario with bad credit, unprovable income and those in power of sale, obtain first, second & third mortgages.

Why Choose Trillium Mortgage?

Custom Solutions:

Tailors mortgage options beyond traditional bank offerings.

Established in 1989:

Over three decades of industry experience.

Diverse Financing Options:

Access to top products from conventional and equity lenders.

Trusted Track Record:

Known for reliability and customer satisfaction.

WHY CHOOSE TRILLIUM MORTGAGE ?

Custom Solutions:
Tailors mortgage options beyond traditional bank offerings.

Established in 1989:

Over three decades of industry experience.

Diverse Financing Options:
Access to top products from conventional and equity lenders.

Trusted Track Record:

Known for reliability and customer satisfaction

Why Choose A Private Mortgage?


Easier Qualification:

Private lenders may be more willing to work with borrowers who have unique financial situations or challenges that do not meet traditional bank criteria.

Faster Processing:

The approval and closing process can be significantly quicker with private lenders due to less bureaucracy.

Flexible Terms:

Private lenders can offer more flexible loan terms, including interest rates, repayment plans, and loan durations.

Opportunity for Borrowers with Bad Credit:

Individuals with poor credit histories might find it easier to secure a mortgage through a private lender.

Creative Financing Options:

Private mortgages can provide financing options that are not available through traditional banks, like interest-only payments or balloon payments.

Short-term Solutions:

Private mortgages are often used as short-term financing solutions, ideal for borrowers planning to refinance in the near future.

WHY CHOOSE A PRIVATE MORTGAGE ?


Easier Qualification

:Private lenders may be more willing to work with borrowers who have unique financial situations or challenges that do not meet traditional bank criteria.

Faster Processing

The approval and closing process can be significantly quicker with private lenders due to less bureaucracy.

Flexible Terms

Private lenders can offer more flexible loan terms, including interest rates, repayment plans, and loan durations.

Opportunity for Borrowers with Bad Credit

Individuals with poor credit histories might find it easier to secure a mortgage through a private lender.

Creative Financing Options

Private mortgages can provide financing options that are not available through traditional banks, like interest-only payments or balloon payments.

Short-term Solutions

Private mortgages are often used as short-term financing solutions, ideal for borrowers planning to refinance in the near future.

Hear What Our Happy Clients Have to Say

ACCESS 0VER 300 LENDERS WITH 1 APPLICATION

  • A LENDERS

  • B LENDERS

  • PRIVATE LENDERS

A LENDERS

FROM 5.14%

HOME PURCHASE

1ST MORTGAGE

CMHC INSURED

UP TO 95% LTV

3 YEAR FIXED OAC

5.14 % CLOSED

HOME REFINANCE

UP TO 80% LTV

5.76% NON INSURED

B LENDERS

FROM 8.49%

HOME PURCHASE

1ST MORTGAGE

NON INSURED

UP TO 80 % LTV

1 YEAR

8.49 % CLOSED

HOME REFINANCE

UP TO 80% LTV

8.49% NON INSURED

PRIVATE

FROM 8.5%

HOME PURCHASE

1ST MORTGAGE

NON INSURED

UP TO 80 % LTV

1 YEAR

8.5 % CLOSED

HOME REFINANCE

UP TO 80% LTV

8.5% NON INSURED


RESIDENTIAL 1st, 2nd & 3rd MORTGAGE SOLUTIONS


Trillium Mortgage is your dedicated residential mortgage broker in Ontario, designed for individuals and families who may struggle to meet the strict criteria of traditional lenders.

We specialize in offering B lender financing options for a range of properties, including single-family homes, townhouses, and condominiums. Additionally, we provide conventional first, second, and third mortgages, as well as private mortgage solutions based on property equity.

If you face hurdles like poor credit, unverified income, or income tax arrears, we're here to help. Our extensive services can help pave the way to homeownership. Contact us today to discover how we can assist you in achieving your property ownership aspirations.

  • Single Family Homes

  • Townhouses

  • Condominiums

  • Mobile Homes

  • Cottages

  • Pre Construction Homes

COMMERCIAL

A LENDERS

FROM 6.5%


COMMERCIAL

PRIVATE LENDERS

FROM 9.5%


Trillium Mortgage is your go-to commercial mortgage broker in Ontario, specializing in serving small businesses and entrepreneurs who struggle to meet the strict criteria of traditional lenders. We provide B lender commercial mortgage financing for various properties, including restaurants, gas stations, motels, resorts, commercial condos, and plazas.


If you're facing challenges with bad credit, unverifiable income, or income tax arrears, we can assist in securing a private commercial mortgage based on property equity. Note, we do not offer unsecured business loans. Contact us today to see how we can help.

TRILLIUM MORTGAGE COMMERCIAL LENDERS

  • GAS STATIONS

  • RESTAURANTS

  • MOTELS

  • RESORTS

  • PLAZAS

  • COMMERCIAL CONDOS

LEASED LAND PRIVATE MORTGAGES

We arrange mortgages for homes on leased land in Ontario. We can arrange up to 65% for leased land mortgages. Not available on a native reserve.

MOBILE HOME MORTGAGE ON FOUNDATION

We can arrange mortgages on mobile homes up to 70% if fixed to a foundation. Not available on a native reserve

MOBILE HOME MORTGAGE ON LEASED LAND

We can arrange mortgages for mobile homes on leased land up to 60%. Not available on a native reserve.

RESIDENTIAL 1st, 2nd & 3rd MORTGAGE SOLUTIONS

ALL CREDIT SCORES ACCEPTED

  • Single Family Homes

  • Townhouses

  • Condominiums

  • Mobile Homes

  • Cottages

  • Pre Construction Homes


Trillium Mortgage is your dedicated residential mortgage broker in Ontario, designed for individuals and families who may struggle to meet the strict criteria of traditional lenders.

We specialize in offering B lender financing options for a range of properties, including single-family homes, townhouses, and condominiums. Additionally, we provide conventional first, second, and third mortgages, as well as private mortgage solutions based on property equity.

If you face hurdles like poor credit, unverified income, or income tax arrears, we're here to help. Our extensive services can help pave the way to homeownership. Contact us today to discover how we can assist you in achieving your property ownership aspirations.


A LENDERS FROM 5.14%

HOME PURCHASE

1ST MORTGAGE

CMHC INSURED

UP TO 95% LTV

3 YEAR FIXED OAC

5.14 % CLOSED

HOME REFINANCE

UP TO 80% LTV

5.76% NON INSURED

B LENDERS FROM 8.49%

HOME PURCHASE

1ST MORTGAGE

NON INSURED

UP TO 80 % LTV

1 YEAR

8.49 % CLOSED OAC

HOME REFINANCE

UP TO 80% LTV

NON INSURED

8.49% CLOSED

PRIVATE LENDERS

FROM 8.5%

HOME PURCHASE

1ST MORTGAGE

NON INSURED

UP TO 80 % LTV

1 YEAR

8.5 % CLOSED OAC

HOME REFINANCE

UP TO 80% LTV

8.5% NON INSURED

COMMERCIAL MORTGAGE SOLUTIONS

ALL CREDIT SCORES ACCEPTED

  • Gas Stations

  • Restaurants

  • Motels

  • Resorts

  • Plazas

  • Commercial Condos


Trillium Mortgage is your go-to commercial mortgage broker in Ontario, specializing in serving small businesses and entrepreneurs who struggle to meet the strict criteria of traditional lenders. We provide B lender commercial mortgage financing for various properties, including restaurants, gas stations, motels, resorts, commercial condos, and plazas.

If you're facing challenges with bad credit, unverifiable income, or income tax arrears, we can assist in securing a private commercial mortgage based on property equity. Note, we do not offer unsecured business loans. Contact us today to see how we can help.

COMMERCIAL B LENDERS

FROM 6.5%

COMMERCIAL

PRIVATE LENDERS

FROM 9.5%

HOME EQUITY LINE OF CREDIT

( HELOC )

Trillium Mortgage has over 30 years of experience assisting Ontario homeowners in securing Home Equity Lines of Credit (HELOCs), even those with challenging credit situations. We understand the obstacles that can make it difficult to qualify for traditional financing, such as unfiled taxes or undocumented cash income.

Our expertise includes arranging 1st, 2nd, and 3rd HELOCs for homeowners in need of flexible credit solutions. If you're looking for a knowledgeable Ontario mortgage broker that works with both B lenders and private financing, contact us today. We’re dedicated to helping you secure a HELOC tailored to your financial needs.

INVESTMENT PROPERTIES

CANADA & USA

Our financing solutions include B lender and private mortgages for investment properties, perfect for those who may not qualify through traditional financing methods.

We offer up to 100% of rents used as an offset to mortgage payments which is a huge advantage to the traditional bank approach of 50% of rents added to income.

This approach provides easier qualifying on GDS and TDS servicing and helps getting more approvals or higher mortgage balances approved.

MORTGAGE SOLUTIONS FOR FARMS

Explore the potential in farming and land development with assurance, as Trillium Mortgage stands ready with our extensive network of over 300 private lenders across Canada and the USA. We enable you to access up to 75% loan-to-value, simplifying the process for your projects.

At Trillium Mortgage, we successfully arrange farm mortgages in Ontario for borrowers dealing with challenges like insufficient income, poor credit, income tax arrears, property tax arrears, and mortgage payment arrears.

We have extensive knowledge in private farm mortgages, providing agricultural financing that covers all aspects of your farming operations, including land, residences, and outbuildings.

We also offer comprehensive options for first, second, and third mortgages on farms, ensuring you have the financial support you need for success.

LEASED LAND PRIVATE MORTGAGES

We arrange mortgages for homes on leased land in Ontario. We can arrange up to 65% for leased land mortgages. Not available on a native reserve.

MOBILE HOME MORTGAGE ON FOUNDATION

We can arrange mortgages on mobile homes up to 70% if fixed to a foundation. Not available on a native reserve.

MOBILE HOME MORTGAGE ON LEASED LAND

We can arrange mortgages for mobile homes on leased land up to 60%. Not available on a native reserve.

Some Statistics From Trillium Mortgage

Check out our Vlog to learn more from our financial experts

0VER 300 PRIVATE LENDERS SERVING CANADA AND USA

APRIL 2024

OVER 2 BILLION IN PRIVATE MORTGAGES FUNDED

APRIL 2024

97% Happy Clients

December 8, 2023

98% Approval Rate

December 8, 2023

BANKRUPTCY MORTGAGE SOLUTIONS


Trillium Mortgage offers solutions for those in Ontario seeking a mortgage post-bankruptcy with the help of private lenders. Typically, conventional lenders require a 5%-10% down payment and insist on re-established credit following bankruptcy, including the maintenance of at least two trade lines (credit cards, lines of credit, loans) for a minimum of two years.

However, Trillium Mortgage partners with private lenders who streamline this process. These lenders may bypass the credit re-establishment requirement and can offer a mortgage immediately after your bankruptcy discharge. They cater to clients with unverifiable or insufficient income, though a 15%-20% down payment is needed for security purposes, and their interest rates are adjusted to reflect the borrower's risk.

With 15%-20% down, you could secure a mortgage shortly after bankruptcy discharge. Reach out to Trillium Mortgage to discuss your mortgage options via private lending.

SELF EMPLOYED MORTGAGE SOLUTIONS


Trillium Mortgage has over 30 years of experience helping self-employed borrowers in Ontario secure mortgages, even with bad credit. We understand the financial hurdles of running a business, such as unfiled taxes, unverifiable cash income, or insufficient earnings, which can complicate mortgage approval.

We specialize in arranging 1st, 2nd, and 3rd mortgages for the self-employed. If you're looking for an experienced Ontario mortgage broker skilled in navigating both B lender and private mortgage solutions, contact us today. We're here to help you obtain a private mortgage tailored to your needs.

RENOVATION LOANS


Renovate with confidence with Trillium Mortgage's tailored financing solutions. We're here to turn your vision into reality with our 1st and 2nd Private Renovation Loans, offering up to 80% loan-to-value for your projects. Enjoy the flexibility of interest-only payments, ensuring your financial comfort throughout the renovation process.

For Homeowners:

Whether you're updating your kitchen, adding a new room, or completely transforming your property, our renovation loans are designed to suit your unique needs. With financing available up to 80% of your home's value, your dream renovation is within reach.

For Contractors:

Elevate your service offerings with Trillium Mortgage. Provide your clients with an attractive financing option for projects over $20k, allowing them to proceed without financial strain. Partnering with us means giving your clients the power to make their dream renovations a reality, without compromising on quality or scale.

Discover the potential of flexible financing. Transform your space with Trillium Mortgage.

FREE CONSULTATIONS

POWER OF SALE / FORECLOSURE SOLUTIONS


"Power of Sale" and "foreclosure" are terms often used interchangeably, but they refer to legal processes lenders may initiate when a borrower fails to make their mortgage payments. While both result from payment defaults, each follows different legal protocols.

At Trillium Mortgage, we specialize in helping Ontario residents navigate these challenging situations. If you are dealing with mortgage arrears or find yourself in the midst of power of sale proceedings, we can provide tailored mortgage solutions.

We arrange power of sale and foreclosure mortgages up to approximately 75% loan to value—meaning we can offer financing that covers up to 75% of your property’s value.

Our services are especially valuable if you face financial challenges such as unverifiable income, bad credit, income tax arrears, or property tax arrears. Even if you are several mortgage payments behind, we are here to assist.

Don’t wait until it’s too late. If you are currently in a power of sale or facing foreclosure, contact a Trillium Mortgage Agent immediately. With decades of experience, we are equipped to find the best rates and solutions for all your mortgage needs.

RURAL ONTARIO UNFINISHED hOME rESCUE FUNDING

  • 24 HR APPROVALS

  • GET 65% AS IS VALUE

  • CLEAR COSTS

  • QUICK CLOSINGS

  • BAD CREDIT OK

COMPLETE YOUR DREAM HOME

STRESS FREE !

RURAL ONTARIO UNFINISHED hOME rESCUE FUNDS FOR BAD CREDIT !

ALL CREDIT SCORES ACCEPTED

  • Get 65% of as is value

  • 24 Hr Approvals

  • Clear Costs

  • Quick Closings


COMPLETE YOUR DREAM HOMESTRESS FREE !

REQUEST A FREE CONSULTATION BY COMPLETING FORM BELOW

We specialize in difficult to place private mortgages for residential, commercial & agricultural properties.
Non-provable income, bad credit, income tax arrears, property tax arrears mortgage arrears applicants welcomed !

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© Copyright 1989. Trillium Mortgage. All rights reserved.
Frank Manzo

Trillium Mortgage

Mortgage Broker License #M08007466

Broker License #11396

Level 2