LIC #M08007466
LEVEL 2
RESIDENTIAL COMMERCIAL AGRICULTURAL
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 in Ontario .
Non-provable income, self employed, bad credit, income tax arrears, property tax arrears & mortgage arrears applicants welcomed !
ONTARIO'S CHOICE FOR PRIVATE MORTGAGES SINCE 1989
CLEAR COSTS
QUICK CLOSINGS
24 HOUR APPROVALS
300+ PRIVATE LENDERS
DISCOUNTED RATES & FEES
ALL CREDIT SCORES ACCEPTED
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.
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
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.
ACCESS 0VER 300 LENDERS WITH 1 APPLICATION
A LENDERS
B LENDERS
PRIVATE LENDERS
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.
FREE CONSULTATIONS
ALL CREDIT SCORES ACCEPTED
Single Family Homes
Townhouses
Condominiums
Mobile Homes
Cottages
Pre Construction Homes
HOME EQUITY LINE OF CREDIT
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.
PRE CONSTRUCTION MORTGAGE SOLUTIONS
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.
Facing obstacles in securing your property deal? Let’s connect for a free consultation to explore how we can help you overcome financing hurdles and maximize your investment. Trillium Mortgage empowers you with financing options that offer unparalleled value and flexibility regardless of credit.
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.
1ST & 2ND 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.
1ST & 2ND CONSTRUCTION LOANS
Contact Trillium Mortgage for the best rates on infill construction financing in the Greater Toronto Area. We offer first and second mortgages up to 75% of your property's value within the GTA and up to 65% loan-to-value (LTV) outside the GTA, where rates may vary.
Our construction financing is available throughout Ontario, covering single-family and multi-family projects. You can secure up to 75% of the current property value or the final value of the completed home within the GTA.
Initial financing can provide up to 65% of the property's existing value. After the initial funds are utilized, a reassessment can unlock additional financing based on 65% of the reassessed value minus the amount already released.
Even if you face challenges like limited income, poor credit, or mortgage arrears, Trillium Mortgage can help with private construction financing, including second mortgages. Apply today to discuss your options.
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.
HOME EQUITY TAKE OUT SOLUTIONS
Trillium Mortgage offers equity take-out options for homeowners in the Greater Toronto Area, allowing you to access up to 80% of your home's Loan to Value (LTV) with rates starting at 5.14%.
This financial solution is perfect for funding renovations, investments, or other large expenses, utilizing the equity you've accumulated in your home.
Trillium Mortgage provides expert guidance throughout the process, ensuring a smooth transaction tailored to your financial goals.
FREE CONSULTATIONS
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.
FREE CONSULTATIONS
ACREAGE / LAND MORTGAGE
Trillium Mortgage specializes in arranging land mortgages in Ontario for properties of any size, offering financing solutions even for borrowers with poor credit or limited income documentation.
With access to B lenders and the ability to arrange private mortgages on land in Ontario, we provide flexible qualification options tailored to your needs.
Apply for a land mortgage with Trillium Mortgage today and unlock the flexibility you need for your property investment.
FREE CONSULTATIONS
SECOND & 3RD MORTGAGE SOLUTIONS
Trillium Mortgage specializes in second and third mortgage solutions in Ontario, extending financing up to 85% of the property's value. Whether you're facing challenges like bad credit, unverifiable or insufficient income, mortgage arrears, or even power of sale situations, we can assist in securing a mortgage.
We also offer options for mortgages with outstanding property or income tax arrears. Our rates from lenders vary based on factors such as property location, borrower's creditworthiness, and maximum loan-to-value ratio.
With Trillium Mortgage, you can access flexible financing solutions tailored to your needs, regardless of credit history, for both second and third mortgages in Ontario.
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.
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.
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.
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 1ST & 2ND MORTGAGE SOLUTIONS
GAS STATIONS
RESTAURANTS
MOTELS
RESORTS
PLAZAS
COMMERCIAL CONDOS
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.
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.
1ST & 2ND CONSTRUCTION LOANS
Contact Trillium Mortgage for the best rates on infill construction financing in the Greater Toronto Area. We offer first and second mortgages up to 75% of your property's value within the GTA and up to 65% loan-to-value (LTV) outside the GTA, where rates may vary.
Our construction financing is available throughout Ontario, covering single-family and multi-family projects. You can secure up to 75% of the current property value or the final value of the completed home within the GTA.
Initial financing can provide up to 65% of the property's existing value. After the initial funds are utilized, a reassessment can unlock additional financing based on 65% of the reassessed value minus the amount already released.
Even if you face challenges like limited income, poor credit, or mortgage arrears, Trillium Mortgage can help with private construction financing, including second mortgages. Apply today to discuss your options.
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.
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
EQUITY TAKE OUT MORTGAGE SOLUTIONS
Trillium Mortgage offers equity take-out options for homeowners in the Greater Toronto Area, allowing you to access up to 80% of your home's Loan to Value (LTV) with rates starting at 5.14%. This financial solution is perfect for funding renovations, investments, or other large expenses, utilizing the equity you've accumulated in your home. Trillium Mortgage provides expert guidance throughout the process, ensuring a smooth transaction tailored to your financial goals.
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.
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.
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
December 8, 2023
December 8, 2023
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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