TRILLIUM MORTGAGE
1st, 2nd & 3rd Residential Mortgage Solutions in Ontario
Mortgage Broker License #M08007466
Broker License #11396
Level 2
24–48 hour approvals
Access to 300+ lenders for fast, flexible terms
Equity-based lending for all credit situations
Prepaid mortgage options to ease cash flow
Interest-only payment options
Solutions for tax arrears, collections and late payments
First Mortgage
A first mortgage gives you the core financing to buy or refinance your home with the most competitive rates, available across Ontario even if you’ve had past credit issues.
Second Mortgage
A second mortgage lets you unlock your home’s equity without touching your first mortgage, giving you fast access to funds for debt consolidation, tax arrears, renovations or major expenses, regardless of income or credit challenges.
Third Mortgage
A third mortgage is a short-term solution used when timing is critical such as stopping power of sale, clearing urgent debts or stabilizing a difficult file approved primarily on equity when traditional lenders won’t step in.
Non-provable income, self employed, bad credit, income tax arrears, property tax arrears & mortgage arrears applicants welcomed !
Since 1989 we’ve helped those across Ontario with bad credit, unprovable income and those in power of sale, obtain first, second and third mortgages.
We specialize in hard to place private mortgages for residential, commercial and agricultural properties
RESIDENTIAL MORTGAGE SERVICES WE PROVIDE
ALL CREDIT SCORES ACCEPTED !
PRIVATE HOME PURCHASES
First-Time Home Buyer Mortgages
Designed for first-time buyers, this option offers flexible terms and guidance to help you navigate your first purchase. We work with B lenders and private lenders, ensuring even those with less-than-perfect credit have access to homeownership. APPLY NOW
1ST, 2ND, & 3RD PRIVATE MORTGAGES
Trillium Mortgage provides a range of mortgage solutions to meet the diverse needs of Ontario homeowners, with options for private 1st mortgages, private 2nd mortgages, and private 3rd mortgages.
PRIVATE HOME EQUITY LINE OF CREDIT
( HELOC )
A Home Equity Line of Credit (HELOC) with Trillium Mortgage allows Ontario homeowners to unlock their home’s equity for flexible, revolving credit.
.Ideal for debt consolidation, home renovations, and large expenses, a HELOC lets you borrow as needed up to a pre-approved limit based on your home’s appraised value.
PRIVATE CONSTRUCTION / RENOVATION LOANS
We offer Private Construction/Renovation Loans to help Ontario residents move forward with new builds and property expansions. Secure up to 75% of your property’s value within the GTA or 65% loan-to-value (LTV) outside the GTA, with progressive funding that supports each phase of your project.
DEBT CONSOLIDATION LOANS
Trillium Mortgage offers debt consolidation loans for Ontario residents, allowing you to combine multiple debts into one manageable payment at a much lower interest rate.
SELF EMPLOYED MORTGAGES
At Trillium Mortgage, we specialize in self-employed mortgage solutions, offering flexible options like stated income and no income verification mortgages. These tailored options allow Ontario’s self-employed to secure financing based on their property value and financial health, without the strict documentation banks typically require.
PRE CONSTRUCTION MORTGAGE
Our flexible lenders recognize your potential and help you unlock the value of your current property at today's value. We surpass typical bank financing by offering tailored funding solutions that minimize down payments and simplify the purchase process, whether you're investing in a new preconstruction condo or leveraging existing equity.
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.
WHY CHOOSE TRILLIUM MORTGAGE ?
How We Help
Financing for bad credit borrowers
Solutions for those in power of sale or foreclosure
Mortgages for individuals with tax or mortgage arrears
Support for self-employed or non-provable income earners
Private funding for all property types in Ontario
Private mortgages offer creative solutions beyond traditional bank offerings.
We specialize in:
Equity-Based Mortgages
Approved based on your property’s value, not just your credit score.
Interest-Only Payments
Reduce monthly costs with interest-only financing options.
First Second & Third Mortgages
Leverage your home equity for additional funding.
MEET THE BROKER AND OWNER OF TRILLIUM MORTGAGE
FRANK MANZO
Mortgage Broker License #M08007466
Broker License #11396
Level 2
Founded in 1989 by Frank Manzo, Trillium Mortgage has been a trusted provider of mortgage solutions across Ontario.
As a licensed Ontario Mortgage Broker, Frank established Trillium Mortgage to help clients rejected by traditional banks, offering a wide range of services including home loans, commercial mortgages, and agricultural financing.
OVER 35 YEARS OF EXPERIENCE
3 BILLION + IN MORTGAGES PROCESSED
300+ PRIVATE LENDERS
TRUSTED TRACK RECORD
SERVING ALL OF ONTARIO
For over 35 years we’ve been helping those in Ontario get equity based mortgages. If you have bad credit, unprovable or insufficient income or are in a difficult situation, we may be able to help.
OUR REVIEWS
Organic Body Shop
Great service. I got a bank rate better than td was offering through here. I referred them to a friend in financial trouble. She got a private mortgage and even though it cost a lot in fees. It prevented to foreclosure to allow my friend to sell on his own terms. All fees are upfront. Everything goes through lawyers.
Frank Mueller
Trillium was able to help place a difficult mortgage for me when other brokers turned me away. I know based on initial discussions with other brokers that I ended up paying less in brokerage fees than I would have through Trillium. All in all, I felt I was treated fairly and received transparent communication from Frank.
Justyna Marzec
Mr. Frank Manzo is and always has been straight forward. He did not hide any information or mislead me in anyway, everything was communicated in a way that made sense to me. He helped me acquire a mortgage on a property with very little time left in the clause, even asked for an extension for me. I have all the time in the world for Frank and do not ever hesitate recommending him to any one who is looking for a mortgage. Thank You for everything Frank.
Can I get a mortgage in Ontario with bad credit?
Yes. Even with poor credit or collections, you can qualify through private mortgage lenders who base approvals on your home equity, not your credit score. These lenders focus on property value and location instead of your credit history.
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Can I refinance my home if I have mortgage arrears or unpaid taxes?
Yes. A refinance or home equity take-out can pay off arrears, CRA debts, or property taxes and stop a power of sale before it progresses.
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What’s the difference between a private lender and a bank?
Banks rely on strict credit and income criteria. Private lenders use equity-based lending, focusing on property value, location, and loan-to-value ratio, allowing flexible approvals when banks say no.
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Can I get approved for a mortgage in Ontario with bad credit or self-employed income?
Yes. Private and alternative lenders use equity-based lending, meaning your approval depends on your property’s value and available equity rather than your credit score or income verification.
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What documents are needed for an equity-based mortgage?
You’ll typically need property details, recent mortgage statement, property tax bill, and valid ID. Income proof is optional — your property’s equity determines approval.
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How does a HELOC differ from a refinance?
A Home Equity Line of Credit (HELOC) gives you revolving access to funds, while a refinance provides a single lump-sum payment from your home’s equity.
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Can a private mortgage stop a power of sale?
Yes. A private refinance can immediately pay arrears and stop a power of sale or foreclosure, preserving your ownership before the process completes.
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How do private construction or renovation mortgages work?
These progress-draw loans release funds in stages as work is completed. Private lenders simplify approvals and financing for custom builds or major renovations.
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Can I get a commercial mortgage in Ontario with bad credit?
Yes. Trillium Mortgage regularly secures commercial mortgages for business owners and investors with bad credit or past financial challenges. We arrange financing for multi-unit, retail, office, and industrial properties even if banks have turned you away. Every deal is structured to rebuild your credit while keeping your business moving forward.
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Trillium Mortgage
Mortgage Broker License #M08007466
Broker License #11396
Level 2
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