Trillium Offers Richmond Hill Mortgage Broker Services

Richmond Hill mortgage broker

Lawrence Kobescak
License # M09001790

Email or Apply Online

Hi, I’m Lawrence and welcome to Ontario Mortgage Superstore.com. I’m a mortgage agent with Trillium Mortgage broker. Trillium has been providing residents across Ontario with prime, alternative and private mortgage lending for over 20 years.

We specialize in second mortgages, private mortgages and alternative lending of homes for clients with bad credit, even under a power of sale. Whether you are purchasing a home, refinancing your mortgage, taking equity out of your home or switching lenders for a better mortgage rate, we may be able to help you. Trillium mortgage has one of the largest networks of private second mortgage lenders in Ontario.

Ontario Mortgage Superstore.com also offers some of the lowest mortgage rates in all of Ontario, even compared to the largest mortgage rate comparison websites. How do we beat the major banks and other Ontario mortgage brokers? To ensure that we provide you the best mortgage rates possible, we’ve partnered up with the LARGEST mortgage broker in Canada by funded volume. Their size and volume makes it possible to discount the mortgage to ensure that you do receive the lowest mortgage rate.

Whatever your mortgage need, our team is here to help. There is never any pressure and no obligation. Start by selecting the inquire button that best suits your situation and someone will contact you.

Good Credit – Inquire Here Bad Credit – Inquire Here

  • Residential

    Home Purchase
    Home Refinancing
    Second Mortgage
    Rental Property
    Private Mortgage
    Home Loan
    Vacant Lot

    Max LTV

    95%
    80%
    85%
    80%
    85%
    85%
    75%

    Commercial

    Rental
    Storefront
    Office Building
    Commercial Plaza
    Industrial Space
    Farm Financing
    Acreage

    Max LTV

    80%
    80%
    75%
    75%
    75%
    55%
    55%

  • 1. SAVINGS - A Richmond Hill mortgage broker has access to many more lenders then the well known banks and credit unions ensuring that you DO get the best rates possible.

    2. CONVENIENCE - Obtaining a mortgage through me is quick, easy and convenient. I have the flexibility to work around your schedule. Most of the work can often take place over the phone or through email.

    3. STRESS FREE - There is no need to negotiate. I will give you the lowest rate EVERY TIME.

    4. COST - My service is free of charge to most consumers. Charges may apply when the borrower has bad credit or has an extremely high debt to equity ratio. A simple rule of thumb would be if every bank and credit union in Canada turns you down, there may be a fee.

    5. ECONOMY OF SCALE - When dealing with a bank, a Richmond Hill mortgage broker will often be able to get a much lower rate than the lowest rates offered to the consumer.

    6. ETHICS AND INTEGRITY - As an Ontario mortgage agent I am licensed by the Financial Services Commission of Ontario (FSCO.GOV.ON.CA) and a member of the Canadian Association Of Accredited Mortgage Professionals (CAAMP.ORG), the lending officer at your bank is not. My license and membership can be confirmed at the links below.

    View my FSCO license
    View my CAAMP membership here

    7. NO CONFLICT OF INTEREST - As an Ontario mortgage agent I provide a service. The service I offer is to find you the lender with the lowest interest rates, to provide you with flexible mortgage options and to provide unbiased answers to your questions. The mortgage officer at your bank is there to sell you their employer’s product.


Make Richmond Hill Your Home, Make Trillium Your Richmond Hill Mortgage Broker


About Richmond Hill


The town is home to the world-renowned David Dunlap Observatory telescope, Richmond Hill High School, which ranks perrennially as one of the top public schools in Canada, and has been rated by the Fraser Institute as the 23rd most affluent city (>100,000 people) in North America and 3rd in Canada.


Economy


Richmond Hill is a comparatively wealthy community. Certain residential areas, such as the Bayview Hill and Heritage Estates (aka, “Regent Street”) boast mansions that rival those found in Rosedale, Forest Hill, and Bridle Path. The average household income was $100,900 in 2003, which was 34% higher than the Canadian average that year, and 26% higher than the provincial average. The 1990s and 2000s are a period of strong economic growth for Richmond Hill; In 1999 industrial, commercial and institutional growth was valued at $88.9 million, up from $67.9 million in 1998. The economic growth of 1999 won the town’s economic development department three provincial awards from the Economic Developers Council of Ontario. The border between Richmond Hill and Markham is a rapidly growing area for information technology and high-tech industry with over 1,000 such businesses located along their border in 2000.


The labour force is divided into many areas, with no one area dominating the economic activity of Richmond Hill. The 2001 Canadian census showed some 76 245 people employed in Richmond Hill, with 43 675 employed full time. The participation rate in the labour force was 69.9%, with 66.4% of people actually employed. The unemployment rate was thus a low 5.0%, compared with the 7.4% unemployment rate across Canada as a whole during that period.


Most business in Richmond Hill are small businesses, with more than half of all employers in the town having four workers or less. The town is home to the corporate headquarters of Acklands Grainger Inc., Apotex Inc., Black & Decker Canada, Compugen Inc., Compuware Canada, Dynatec Corporation, Levi Strauss Canada, Lexmark Canada, Mazda Canada, Rogers Communication (Ontario), Science & Medicine Canada, Staples Business Depot and Suzuki Canada.


Richmond Hill Planning and Initiatives


Click here for more information on Richmond Hill Strategic Plan.


Follow the link to see Richmond Hill Transportation Master Plan


Richmond Hill Property Taxes


Click the link to view the most recent Richmond Hill property tax rates.




Richmond Hill mortgage brokers

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For All Of Your Richmond Hill Mortgage Needs

If you are looking for a mortgage in Ontario it has never been a better time to get financing. Canadian mortgage rates are at a historic low and the housing market has proven over the last few years how resilient our market is. I am confident that with Ontario’s transit expansion plans and Canada’s stance on immigration that the province will see a nice surge in home prices over the next 5 -15 years. Trillium Mortgage is your mortgage broker with over 20 years of experience helping Ontario home owners. If you are looking for Richmond Hill mortgage brokers with experience, that you can trust and a large network of established lenders, call Trillium mortgage broker today.

  • Home Mortgage / Mortgage Refinancing

  • If you are looking at buying a new home or looking to refinance your current home we will find you the lowest mortgage rates for your purchase or refinance. Purchases up to 95% and refinancing up to 80%.

  • First Time Home Buyers

  • The prospects are bright if you are a first time home buyer. If you are a first time home buyer give me a call today. I can help you understand the many opportunities currently available for first time home buyers. Check out our mortgage calculator on the side bar, this will help you figure our how much you can afford. We can help first time home buyers save with the lowest rates anywhere. First time home buyers can purchase a home with as little as 5% down.

  • Commercial Financing

  • If you are a commercial property owner in need of a Richmond Hill commercial mortgage broker, call today. We have many commercial lenders who can help no matter what or where your property is. Trillium offers commercial mortgage broker services for rental properties, plaza’s, industrial space, office buildings, construction financing, farm mortgages, acreage and much more. Private commercial mortgage lenders are also available. If you are looking for the lowest commercial mortgage rates, call us today.

  • Rental Properties

  • I can help real estate investors local or abroad in need of a mortgage for a rental property. Whether you are a first time rental property owner or purchasing your eighth property we can help you. Rental mortgages for properties available for up to 85% loan to value.

  • Private Mortgage Lenders

  • Are you in need of a private mortgage? Trillium mortgage broker is a leader in offering private mortgages and has access to an established and well reputable network of private lenders. We can offer the lowest rates for your private mortgage. Private mortgages for properties available for up to 85% loan to value

  • Second Mortgage / Home Loans / Debt Consolidation Loan

  • We offer second mortgages, home loans and debt consolidation loans up to 85% loan to value. Bad credit histories are our specialty. Even if you are being foreclosed, are in power of sale or have recently gone bankrupt, we can help you. We offer the lowest interest rates on your second mortgage, home loans and debt consolidation loan needs.

  • Vacation Home / Cottage / Second Home

  • Are you buying or refinancing a vacation home, second home or a cottage? Trillium Mortgage is your Richmond Hill mortgage broker who can find you the lowest interest rate for your dream getaway or second home. Vacation homes, cottages and second homes can be purchased with as little as 5% down.