TRILLIUM MORTGAGE

Multi Unit Residential Mortgage

Solutions in Ontario

Mortgage Broker License #M08007466

Broker License #11396

Level 2

Financing for duplexes, triplexes, and apartment buildings

All credit scores accepted

Trillium Mortgage, led by veteran Ontario broker Frank Manzo, provides both institutional and private financing options for multi-unit residential properties.


With 35+ years of experience, we help investors and landlords secure mortgages for duplexes, triplexes, apartment buildings, and mixed-use units.


Our programs include income-based, cash-flow-based, and equity-based options.

  • Institutional & private mortgage options for all credit types

  • Financing for duplex, triplex, apartment & mixed-use properties

  • Income-based, cash-flow-based & equity-based approvals

  • Fast underwriting for investors & property managers

  • 35+ years of multi-unit commercial lending experience


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

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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