Flexible Home Loans in Ontario for All Credit Types | Tailored Mortgage Solutions


Find the best mortgage for your Ontario home with tailored loan options. Flexible terms and competitive rates to match your financial needs.

Home Equity Lines Of Credit

With over 30 years of experience, Trillium Mortgage specializes in helping Ontario homeowners secure Home Equity Lines of Credit (HELOCs), even with challenging credit.

Whether you have unfiled taxes or undocumented cash income, we work with B lenders and private lenders to arrange 1st, 2nd, and 3rd HELOCs tailored to your financial situation.

Our team is dedicated to finding flexible credit solutions that traditional financing may not offer. Contact us today for expert guidance and personalized HELOC options

1st 2nd and 3rd Mortgages

We offer 1st, 2nd, and 3rd mortgage solutions across Ontario, providing financing for a variety of needs, including home purchases and refinancing.

Whether you're looking to buy a home, consolidate debt, or access your property’s equity, we can secure the right mortgage tailored to your financial situation.

Our options extend to mortgages involving property or income tax arrears, with rates varying based on property location, creditworthiness, and loan-to-value ratio. Enjoy flexible mortgage solutions customized to your needs.

Home Equity Take Out

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).

This solution is ideal for funding renovations, investments, or covering large expenses using the equity you've built in your home.

Our Broker provides professional guidance throughout the process, ensuring a smooth transaction tailored to your financial needs and goals.

Contact Trillium Mortgage today for flexible equity take-out solutions and a FREE consultation.

Debt Consolidation Solutions

Consolidate high-interest credit card debts into one low-interest, manageable payment with Trillium Mortgage.

Our debt consolidation loans simplify your finances, lowering monthly payments and interest rates, making it easier to regain control. By consolidating debt, you'll see immediate benefits like improved cash flow and a clearer path to boosting your credit score.

At Trillium Mortgage, we specialize in helping clients reduce debt and rebuild credit with flexible consolidation options tailored to your needs.

Home Renovation Loans

Renovate with ease using Trillium Mortgage’s tailored financing solutions. Our 1st and 2nd Private Renovation Loans offer up to 80% loan-to-value, with interest-only payments for added financial flexibility.

Whether you're upgrading your kitchen, adding a room, or transforming your home, we provide financing to suit your needs.

Contractors can also benefit by offering clients financing for projects over $20k, helping them complete renovations without financial strain. Partner with Trillium Mortgage to turn renovation dreams into reality.

Home Construction Loans

Contact Trillium Mortgage for the best infill construction financing in the Greater Toronto Area. We offer first and second mortgages up to 80% loan-to-value (LTV) within the GTA and up to 75% outside the GTA.

Our construction financing covers single-family and multi-family projects throughout Ontario, with options based on current or completed property value.

Even with challenges like limited income, poor credit, or mortgage arrears, we can assist with private construction financing. Apply today and explore your best options.

Pre Construction Mortgage Solutions

At Trillium Mortgage, our flexible lenders help you unlock the value of your property at today’s market rates.

We go beyond traditional bank financing with tailored solutions that minimize down payments and simplify the buying process whether you're investing in a preconstruction condo or leveraging your existing equity.

Facing obstacles securing your property? Contact us for a free consultation to explore flexible financing options. No matter your credit, Trillium Mortgage empowers you to maximize your investment with unparalleled value.

Refinance / Renew

Refinance or renew your mortgage with Trillium Mortgage for better rates and tailored solutions. Whether you're looking to lower monthly payments, access your home’s equity, or consolidate debt, we offer flexible refinancing options to suit your financial goals.

With competitive rates and personalized service, we make the mortgage renewal process seamless. Even if you're facing challenges like bad credit or mortgage arrears, our expert team can help you find the right refinancing solution. Contact us today to explore your options and save more.

Reverse Mortgage Solutions

Unlock your home's potential with Trillium Mortgage's reverse mortgage solutions, designed for homeowners aged 55 and older.

Access your home equity and turn it into tax-free income, all without the stress of monthly payments.

Our reverse mortgages offer financial freedom, allowing you to enjoy your golden years with peace of mind and flexibility. Learn how our trusted reverse mortgage options can provide you with the security you deserve for a worry-free retirement. Contact us today to explore your options and secure your future.

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.


Since 1989 we’ve helped those across Ontario with bad credit, unprovable income and those in power of sale, obtain first, second & third mortgages.”

“We specialize in hard to place private mortgages for residential, commercial & agricultural properties.”

Frank Manzo

OVER 35 YEARS OF EXPERIENCE

TRUSTED TRACK RECORD

SERVING ALL OF ONTARIO

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BROKER OWNER OF TRILLIUM MORTGAGE

Mortgage Broker License #M08007466

Broker License #11396

Level 2


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

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