Trillium Offers St Catharines Mortgage Broker Services

St Catharines 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 St Catharines 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 St Catharines 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 St Catharines Your Home, Make Trillium Your St Catharines Mortgage Broker


About St Catharines


St Catharines carries the official nickname “The Garden City” due to its 1,000 acres (4 km²) of meticulously groomed parks, gardens and trails.


St Catharines is situated in an excellent area for commerce and trade since it is conveniently located between the Greater Toronto Area (GTA) and the Fort Erie-Buffalo metropolitan area. Manufacturing is the city’s dominant industry, as noted by the heraldic motto, “Industry and Liberality”. General Motors of Canada, Ltd., the Canadian subsidiary of General Motors, operates two plants in the city and until recently was the city’s largest employer, a distinction now held by the District School Board of Niagara. TRW operate a plant in the city, though in recent years employment has shifted from heavy industry and manufacturing to services.


St Catharines lies on one of the main telecommunications backbones between Canada and the United States, and as a result a number of call centres operate in the city.


Education


St Catharines is home to Brock University (established 1964), a modern comprehensive university located on the Niagara Escarpment.


St Catharines is also home to a satellite campus of Niagara College. Niagara College has brought Canada its first Teaching Winery. The “Niagara College Teaching Winery” (or NCT for short) has created award winning wines.


McMaster University’s Michael G. DeGroote School of Medicine is set to open a satellite campus in St Catharines in September 2008. The Hamilton, Ontario-based university will educate 15 first-year medical students in the city’s first-ever med school.


Transportation


Public transportation is served by the St Catharines Transit Commission, which operates bus routes throughout the city and neighbouring Thorold. Though transportation by rail is becoming increasingly popular, the St Catharines train station is largely underutilized, with car and bus travel being the dominant forms of transportation for the city. The station is located in its original building, outside the downtown core (because of issues involving the crossing of 12-Mile Creek). It is served daily by VIA Rail and Amtrak trains connecting it to Toronto and New York City. The provincial and federal government recently committed $385 million each to GO Transit to aid in the development of their 10-Year Capital Expansion Plan, which includes an expansion bus line servicing the Niagara Region. A potential rail link with GO Transit in the near future continues to be debated in St Catharines.


St Catharines Planning and Economic Development


Click the link to see the most recent St Catharines Economic Development initiatives.



St Catharines Property Taxes


Click for the last available St Catharines property tax rates.




St Catharines mortgage brokers

Call Today
For All Of Your St Catharines 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 St Catharines 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 St Catharines 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 St Catharines 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.