Private Home Loans in Ontario

Private Home Loans in Ontario

NO CREDIT? NO INCOME? NO PROBLEM !

Why Choose Trillium Mortgage?

CLEAR COSTS
QUICK CLOSINGS
24 HOUR APPROVALS
300+ PRIVATE LENDERS
DISCOUNTED RATES & FEES
ALL CREDIT SCORES ACCEPTED

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

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PRIVATE HOME LOAN SERVICES WE PROVIDE

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

PRIVATE HOME PURCHASE

First-Time Home Buyer Mortgages

Designed for first-time buyers, this option offers flexible terms and guidance to help you navigate your first purchase. We work with B lenders and private lenders, ensuring even those with less-than-perfect credit have access to homeownership. APPLY NOW

1ST, 2ND, and 3RD PRIVATE MORTGAGE

Trillium Mortgage provides a range of mortgage solutions to meet the diverse needs of Ontario homeowners, with options for private 1st mortgages, private 2nd mortgages, and private 3rd mortgages.

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HOME EQUITY LINE OF CREDIT ( HELOC )

A Home Equity Line of Credit (HELOC) with Trillium Mortgage allows Ontario homeowners to unlock their home’s equity for flexible, revolving credit.

.Ideal for debt consolidation, home renovations, and large expenses, a HELOC lets you borrow as needed up to a pre-approved limit based on your home’s appraised value.

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CONSTRUCTION / RENOVATION LOANS

We offer Private Construction/Renovation 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.

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DEBT CONSOLIDATION LOANS

Trillium Mortgage offers debt consolidation loans for Ontario residents, allowing you to combine multiple debts into one manageable payment at a much lower interest rate.

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SELF EMPLOYED MORTGAGES

At Trillium Mortgage, we specialize in self-employed mortgage solutions, offering flexible options like stated income and no income verification mortgages. These tailored options allow Ontario’s self-employed to secure financing based on their property value and financial health, without the strict documentation banks typically require.

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PRE CONSTRUCTION MORTGAGE

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.

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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.

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GET A FREE CONSULTATION

how it works

Partnering in Your Real Estate Success

Consultation

Discuss your needs and financial goals with our experts.

Application

Complete a simple application to start the financing process.

Closing

Finalize your mortgage and receive the keys to your new home!

MEET THE FOUNDER & BROKER

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

Residential Mortgage Specialist

35 Years of Experience

Fast Approvals

All Credit Scores Accepted

Proudly Serving All of Ontario

Frequently Asked Questions

What is the difference between a fixed-rate and an adjustable-rate mortgage?

A fixed-rate mortgage has a constant interest rate throughout the loan term, while an adjustable-rate mortgage (ARM) has an interest rate that may change periodically based on market conditions.

How do I know how much I can borrow?

Your borrowing capacity depends on various factors, including your income, credit score, debt-to-income ratio, and the type of loan you are applying for. Our team can help you assess your financial situation to determine the right amount.

What documents do I need to apply for a mortgage?

Typically, you’ll need to provide proof of income, tax returns, bank statements, identification, and information about your debts and assets. Our experts will guide you on the specific documents required for your application.

How long does the mortgage approval process take?

The mortgage approval process can vary based on several factors, including the type of loan and your financial situation. Generally, it can take anywhere from a few days to several weeks. We strive to make the process as quick and efficient as possible.