Quick and Easy Private Mortgages for Home Construction and Renovations

Private Home Loans for Building and Renovating in Toronto, the GTA, and All of Ontario

ALL CREDIT SCORES ACCEPTED


At Trillium Mortgage, we offer private construction and renovation loans for Ontario homeowners and contractors, providing flexible financing that bypasses the limitations of traditional banks.

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Our Private Mortgage Options for Ontario Homeowners and Investors

  • New Home Construction Loans
    Build your dream home with private financing

  • Home Renovation Loans

    Upgrade your home with easy access to funds

  • Investment Property Loans

    Finance rental property construction or renovations

  • Bad Credit Construction Loans

    Get approved even with past credit issues

I agree to the terms & conditions provided by Trillium Mortgage. By providing my information, I agree to receive phone calls, text messages and emails from Trillium Mortgage .

Home Construction Loans with Private Financing In Ontario


We offer Private Construction 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.


  • Flexible Loan-to-Value Ratios:

    Access up to 75% of property value in the GTA and 65% outside, enabling ample funding.

  • Staged Financing:

    Initial funds cover up to 65% of the property’s value, with additional financing released based on the updated property value.

  • Available to All Credit Types:

    We partner with private lenders to provide options for clients with limited income, credit issues, or previous mortgage arrears.


For Homeowners:

We offer financing solutions for Ontario homeowners looking to renovate. From kitchen upgrades to major remodels, our loans help you achieve your home improvement goals, with financing up to 80% LTV.

  • Up to 80% LTV Financing

    Access substantial funding for large renovation projects.

  • Interest-Only Payment Options

    Control your monthly costs during renovations, making the process more affordable.


For Contractors:

Partner with Trillium Mortgage to offer your clients financing options that empower them to proceed with confidence on projects valued at $20,000 or more.

We specialize in private renovation loans, providing reliable funding to help your clients bring their vision to life without the delays or restrictions of traditional banks.

  • Funding for Projects $20,000 and Up

    For renovation projects with a minimum value of $20,000, we offer flexible financing to help clients take on larger, quality-focused improvements.

  • Enhanced Client Options

    By offering private financing solutions, you enable clients to achieve their renovation goals without financial limitations.

Banks Declined ? Don't worry, we can help!

ABOUT TRILLIUM MORTGAGE

Founded in 1989 by Frank Manzo, Trillium Mortgage has been a trusted provider of mortgage solutions across Ontario.

As a licensed 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


Why Work with Frank Manzo at Trillium Mortgage?

Expert in Equity-Based Financing:

With 35 years of experience, Frank Manzo specializes in leveraging home equity to achieve financial stability.

Customized Loan Solutions:

Each loan is structured to fit your financial needs, ensuring manageable monthly payments.

Personalized Service:

As a trusted mortgage broker, Frank Manzo provides one-on-one guidance throughout the process, helping you take control of your finances.


Bypass Bank Limitations with Frank

Get a Free Consultation Today

I agree to the terms & conditions provided by Trillium Mortgage. By providing my information, I agree to receive phone calls, text messages and emails from Trillium Mortgage .

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Mortgage Broker License #M08007466

Broker License #11396

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