TRILLIUM MORTGAGE

Easily Access Your Ontario Home Equity

Regardless of Credit !

Mortgage Broker License #M08007466

Broker License #11396

Level 2

Flexible Home Equity Line of Credit Solutions for Ontario Homeowners

Unlock the value in your home with a Home Equity Line of Credit (HELOC) from Trillium Mortgage.

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

Designed for Ontario homeowners, our HELOC provides flexible, affordable funding for renovations, debt consolidation, education costs, and major expenses.

How a HELOC Works

1. Free Consultation:

Start with a consultation to discuss your needs and eligibility.

2. Credit Limit Based on Equity:

Your credit limit is determined by your home’s appraised value and available equity.

3. Revolving Credit Line:

Borrow, repay, and borrow again up to your approved limit without needing to reapply.

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

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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

888-342-4282

647-360-0910

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

Trillium Mortgage is an established Ontario mortgage brokerage, operating since 1989, providing private and equity-based financing solutions for residential, commercial, construction, and land development projects across the province.

Founded in 1989 by Frank Manzo, Trillium Mortgage was established to support clients who do not fit traditional bank lending models. As a licensed Ontario Mortgage Broker, Frank built the firm around flexible underwriting, equity-based solutions, and practical financing options for homeowners, business owners, and property investors.

Over more than three decades, Trillium Mortgage has arranged financing for residential purchases, commercial properties, agricultural assets, construction projects, and land development initiatives throughout Ontario.

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.

888-342-4282

647-360-0910

APPLY NOW

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.
👉 Get Started

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.
👉 Get Started with a Free Consultation

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.
👉 Get Started with a Free Consultation

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.
👉 Get Started with a Free Consultation

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.
👉 Get Started with a Free Consultation

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.
👉 Get Started with a Free Consultation

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.
👉 Get Started with a Free Consultation

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.
👉 Get Started with a Free Consultation

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.
👉 Get Started with a Free Consultation

Trillium Mortgage

Mortgage Broker License #M08007466

Broker License #11396

Level 2

Trillium Mortgage proudly serves clients across Toronto, Scarborough, North York, Etobicoke, Mississauga, Brampton, Caledon, Vaughan, Markham, Richmond Hill, Aurora, Newmarket, Pickering, Ajax, Whitby, Oshawa, Burlington, Oakville, Milton, Hamilton, Kitchener, Waterloo, Cambridge, Guelph, London, Barrie, Kingston, Niagara, and every community throughout Ontario.