Full Service Toronto Mortgage Agent
Hi I’m Lawrence and welcome to OntarioMortgageSuperstore.com. I am a full service mortgage agent with Trillium Mortgage. Trillium Mortgage has been providing Ontario home owners with prime, alternative and private mortgage lending for over 20 years.
We offer home, commercial, rental, second and private mortgages. Whether you are purchasing a home, refinancing your mortgage, obtaining a home loan or switching lenders we will get you the lowest rate for your mortgage. How can we beat the major banks and the well advertised Toronto mortgage brokers?
It’s simple, our overhead is embarrassingly low. We don’t have an army of administrative staff on hand or sky scrapers to construct. Instead of spending millions of dollars on television and radio advertising, we rely on customer satisfaction to promote our service. The average consumer has access to 6-8 lenders, the average Toronto mortgage broker has access to 40, We have access to over 100 highly competitive public and private lenders across Ontario. Trillium has the largest network of private lenders in Ontario.
Whatever your mortgage need, I will make the entire process easy. There is never any pressure and no obligation. Why don’t you fill out an application or give me a call today.
Services Available
- Home Mortgage
- Commercial Mortgage
- Debt Consolidation
- Second Mortgage
- New To Canada
- Home Loan
- Second Property Mortgage
- No Money Down Mortgage
- Home Equity Loans
- Pre Approval For Mortgage
- Self Employed
- Land Mortgage
- Cottage Mortgage
- Vacation Property
- Purchase Plus Improvements
- Renewal
- Refinancing
- First Time Home Buyer
- Rental Mortgage
- Past Bankruptcy
- Private Mortgage
- Bad Credit
- Construction Financing
- 80% Rental Offset
** Select a service type for more information **
Maximum Mortgage Loans
| Residential | Max LTV | Commercial | Max LTV | |
| Home | 100% | Storefront | 80% | |
| Rental | 85% | Rental | 85% | |
| Second | 95% | Office Building | 75% | |
| Home Refinancing | 95% | Commercial Plaza | 75% | |
| Private | 95% | Industrial Space | 75% | |
| Home Loan | 95% | Farm Financing | 55% | |
| Vacant Lot | 75% | Acreage | 55% |
Why Use A Toronto Mortgage Broker?
- SAVINGS – A Toronto mortgage broker has access to many more lenders then the well known banks and credit unions ensuring that you DO get the best rate possible.
- 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.
- STRESS FREE – There is no need to negotiate. I will give you the lowest rate EVERY TIME.
- 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.
- ECONOMY OF SCALE – When dealing with a bank, a mortgage broker will often be able to get a much lower rate than the lowest rate offered to the consumer.
- 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.
- NO CONFLICT OF INTEREST – As a Toronto mortgage agent I provide a service. The service I offer is to find you the lender with the lowest interest rate, 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.
Why Use a Toronto mortgage broker?
- SAVINGS – A Toronto mortgage broker has access to many more lenders then the well known banks and credit unions ensuring that you DO get the best mortgage rate possible.
- CONVENIENCE – Obtaining a mortgage through me is quick, easy and convenient. I have the flexibility to work around your schedule. When using a mortgage broker, most of the work can often take place with just a phone call or through email.
- STRESS FREE – There is no need to negotiate. I will give you the lowest rate EVERY TIME.
- COST – My service is free of charge to most consumers. Charges may apply when the borrower has very poor 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.
- ECONOMY OF SCALE – When dealing with a bank, a mortgage broker will often be able to get a much lower rate than the lowest rate offered to the consumer.
- ETHICS AND INTEGRITY – As a Toronto mortgage broker 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.
- NO CONFLICT OF INTEREST – As a Toronto mortgage broker I provide a service. The service I offer is to find you the lender with the lowest interest rate, 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.
About Toronto
In 1834, with 9,000 residents the ‘City of Toronto.’ was incorporated. The population continued to expand to the extent that when Canada became a country in 1867, the city was home to 50,000. By 1900, 250,000 people lived here. Today, Toronto is Canada’s largest city, the heart of the nation’s commercial, financial, industrial, and cultural life, and is one of the world’s most liveable urban centres.
Toronto is Canada’s Number One tourist destination, with 21 million visitors a year. Many Canadian companies have their head offices in Toronto. The country’s premier stock exchange, the Toronto Stock Exchange, is here. After New York and London, Toronto has the largest English-language theatre centre in the world.
With 2.5 million people living in Toronto proper, and about five million in the Greater Toronto Area, about half of the province’s people live in the metropolitan area. There’s a large and thriving multicultural population, and more than 100 languages can be heard on the streets of Toronto.
Education
Toronto is home to a number of post-secondary academic institutions. The University of Toronto, established in 1827, is the oldest university in Ontario and a leading public research institution. It is a worldwide leader in biomedical research and houses North America’s third-largest university library system, after that of Harvard University and Yale University. York University, located in the north end of Toronto, houses the largest law library in the Commonwealth of Nations. The city is also home to Ryerson University, Ontario College of Art & Design, and the University of Guelph-Humber.
There are four diploma-granting colleges in Toronto, Seneca College, Humber College, Centennial College and George Brown College. The city is also home to a satellite campus of the francophone Collège Boréal. In nearby Oshawa, usually considered part of the Greater Toronto Area, are Durham College and the University of Ontario Institute of Technology, while Halton Region is home to Sheridan College.
The Toronto Public Library is the largest public library system in Canada, consisting of 99 branches with more than 11 million items in its collection.
Transportation
The Toronto Transit Commission (TTC) is the third largest public transit system in North America after the New York City Transit Authority, and the Mexico City Metro. The TTC provides public transit within the City of Toronto. The backbone of its public transport network is the subway system, as well as a mainly elevated rapid transit line. The TTC also operates an extensive network of buses and streetcars.
The Government of Ontario also operates an extensive rail and bus transit system called GO Transit in the Greater Toronto Area. As of January 2009, GO Transit carries over 205,000 passengers every weekday on its seven train lines and extensive bus system.
Economy
Toronto is a major international centre for business and finance. Generally considered the financial capital of Canada, Toronto has a high concentration of banks and brokerage firms on Bay Street, in the Financial District. The Toronto Stock Exchange is the world’s seventh-largest stock exchange by market capitalization. All of the Big Five banks of Canada are headquartered in Toronto, as are a majority of Canada’s corporations.
The city is an important centre for the media, publishing, telecommunications, information technology and film production industries; it is home to Thomson Corporation, CTVglobemedia, Rogers Communications, and Celestica. Other prominent Canadian corporations in Toronto include Sun Life Financial, Four Seasons Hotels, the Hudson’s Bay Company and Manulife Financial.
Toronto Planning and Initiatives
See Toronto Agenda For Prosperity for current Toronto economic development plans.
Toronto’s Waterfront Development – Waterfront development planning initiatives.
Visit Toronto’s City Initiatives home page for more information.
Toronto Property Taxes
Toronto has the lowest property tax rate of any city within or surrounding the GTA. Toronto does unfortunately have it’s own land transfer tax which is structured very similarly to the Ontario land transfer tax. Click the link to view the most recent Toronto property tax rates.
Call Today For All Of Your Mortgage Needs
If you are currently looking for a mortgage in Toronto it has never been a better time to get financing. Canadian mortgage rates are at an all time low and the housing market has proven over the last 18 months how resilient our market is. I am very confident that with Ontario’s transit expansion plans coupled with Canada’s stance on immigration that the province will see a nice surge in housing prices over the next 10-15 years. Trillium Mortgage is your Ontario mortgage broker with over 20 years of experience helping Toronto home owners.
Home Purchase/ Mortgage Refinancing
If you are looking at buying a new home or looking to refinance your current home, call today. We will find you the lowest mortgage rate for your home purchase or refinance.
First Time Home Buyers
The prospects are especially 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.
Commercial Financing
If you are a commercial property owner in need of an Toronto mortgage broker, call today. We have many commercial lenders who can help no matter what or where your property is. If you are looking for a commercial mortgage with the lowest rates, call 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.
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.
Second Mortgage / Home Loans / Debt Consolidation Loan
We offer second mortgages, home loans and debt consolidation loans. 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 looking a buying a vacation home, second home or a cottage? Trillium Mortgage is an Ontario mortgage broker who can find you the lowest interest rate for your dream getaway.
No matter what your situation is, Trillium Mortgage can help. We will help every person get the mortgage they need. Call today for any of your Ontario mortgage broker needs.