Hi, I am Lucia Gugliuzzi

      Mortgage Broker

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How may I help you?

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Mortgagestation.ca – Best Mortgage Brokers in Toronto, Ontario

Welcome to Mortgagestation.ca, your one-stop-shop for all your mortgage needs. Need help with buying a home, refinancing your mortgage, or investing in real estate? Our experienced professionals are here for you.

Lucia Gugliuzzi, a mortgage broker is here to guide you with home financing.

Why Choose Mortgagestation.ca?

At Mortgagestation.ca, we understand that buying a home or investing in real estate can be a daunting process. That’s why we strive to make the mortgage process as simple and stress-free as possible. Here are a few reasons why you should choose us for your mortgage needs.

Experienced Mortgage Lenders

Mortgage lenders

We work with knowledgeable mortgage lenders who understand the Canadian real estate market well. These lenders have a wealth of knowledge and expertise in their field. We have helped countless clients secure the best mortgage rates and terms for their unique financial situations.

Our best mortgage brokers in Toronto, Ontario can help you, whether you’re buying your first home or investing. We have the knowledge to guide you through the mortgage process and make informed decisions.

Specialized Mortgage Services

At Mortgagestation.ca, we offer a range of specialized services to cater to the diverse needs of our clients. We understand that everyone’s financial situation is unique, and we tailor our services to meet those specific needs.

Some of our specialized services include mortgages for non-residents, investment property mortgages, and mortgage refinancing. Our team is well-versed in these areas and can provide you with the best solutions for your mortgage needs.

If you have other loans or business borrowing needs, including equipment leasing, we have the best in the industry that can help you.

Competitive Rates and Terms

We work with top mortgage lenders such as banks, credit unions, and private lenders. Our goal is to secure the best rates and terms for our clients. Our best mortgage brokers in Toronto will negotiate on your behalf to secure the best mortgage deal for you.

Ask how you can get other discounted rates not published.

We also offer flexible payment options and can help you choose the right mortgage term and type for your financial goals. Our goal is to help you save money and make the most of your mortgage.

Our Mortgage Services

At Mortgagestation.ca, we offer a range of services to help you with your mortgage needs. Our best mortgage brokers in Toronto are happy to go over some of the services we provide.

Mortgage Pre-Approval

Before you start house hunting, it’s essential to get pre-approved for a mortgage. Mortgage pre-approval helps you know how much you can spend on a home and makes buying a home easier.

Mortgagestation.ca can help you get pre-approved for a mortgage quickly and easily. We’ll review your financial situation and provide you with a pre-approval letter that you can use when making an offer on a home.

First-Time Homebuyer Mortgages

Buying your first home is an exciting milestone, but it can also be overwhelming. Our best mortgage brokers in Toronto, Ontario can guide you through the process and help you secure a mortgage that fits your budget and financial goals.

We’ll explain the different types of mortgages available and help you choose the best one for your needs. We’ll help you with the paperwork and make sure you understand the terms and conditions of your mortgage.

Chip Reverse Mortgages

The Chip Reverse mortgage is for individuals who have built a significant equity in their home. To qualify:

You must be at least 55 years of age.

  • Your credit score is insignificant because it is a unique type of mortgage for seniors in Canada.
  • You have the option to make payments but it’s not mandatory.
  • We can discuss other benefits based on each scenario.

Investment Property Mortgages

Investing in real estate can be a lucrative venture, but it’s essential to have the right financing in place. Our best mortgage brokers in Toronto helps real estate investors find the best mortgage for their investment property.

We’ll review your investment goals and financial situation to determine the best mortgage options for you. We can also provide you with advice on how to maximize your investment and make the most of your mortgage.

Mortgage Refinancing

Many benefits exist for mortgage refinancing, Here are some:

  • You may carry a heavy debt with high-interest rates on your credit cards
  • Mortgage refinancing can be a great solution to increase your cash flow.
  • Our best mortgage brokers in Toronto can help you refinance your mortgage and potentially save you thousands of dollars over the life of your loan.

We’ll review your current mortgage and financial situation to determine if refinancing is the best option for you. If it is, we’ll guide you through the process and help you secure a new mortgage with better terms and rates.

Non-resident Mortgages

For non-residents looking to invest in Canadian real estate, getting a mortgage can be challenging. However, at Mortgagestation.ca, we offer ITIN mortgages specifically designed for non-residents.

Our best mortgage brokers in Toronto has experience working with non-residents and can help you navigate the mortgage process in Canada. We’ll help you get a mortgage that matches your investment goals.

Our mortgage Process

At Mortgagestation.ca, we have a simple and efficient process to help you secure the best mortgage for your needs.

Step 1: Initial Consultation

Start by scheduling an initial consultation with our best mortgage brokers in Toronto. During this meeting, we’ll discuss your financial goals and review your current financial situation. We’ll also answer any questions you may have about the mortgage process.

Step 2: Mortgage Application

Once we have a clear understanding of your financial goals and situation, we’ll help you complete a mortgage application. We’ll also assist you in gathering all the necessary documents and information required for the application.

Step 3: Mortgage Shopping

Mortgage shopping

After your application is complete, we’ll start shopping for the best mortgage rates and terms for you. We’ll negotiate with our network of lenders to secure the best deal for your unique financial situation.

Step 4: Mortgage Approval

Once we’ve found the right mortgage for you, we’ll submit your application to the lender for approval. We will keep you updated throughout the approval process and inform you as soon as we approve your mortgage.

Step 5: Closing

The final step is closing on your mortgage. We will go over the mortgage terms and conditions with you and make sure you understand everything before signing the papers.

Our Partners

At Mortgagestation.ca, we work with a network of top mortgage lenders, including banks, credit unions, and private lenders. Some of our partners include:

  • TD Canada Trust
  • Scotiabank
  • HSBC
  • Manulife Bank
  • Mcap
  • First National
  • Meridian Credit Union
  • Merix Financial
  • Desjardins
  • Equitable Bank
  • Home Trust
  • And more!

Contact Us Today

If you are you ready to start your mortgage journey? You may Contact us today to schedule an initial consultation with our team. We’ll help you find the best mortgage rates and terms for your unique financial situation and make your mortgage process a breeze.

Don’t just take my word for it. See what my clients say.

A man with a red and white checkered shirt smiling.

“I had the opportunity to work with Lucia in the search for my first home’s mortgage. That was a pleasant experience. Lucia was very informative throughout the whole process with numbers that make sense. She advised us on different scenarios and different approaches for the best results. I feel very comfortable making my own decision based on Lucia’s advice to look for the mortgage that best suited my situation. I definitely recommend Lucia’s service to assist in your search for a new home. Paul Dinh”


Paul, from Vaughan, Ontario

A woman with white teeth smiling for the camera.

“We have been dealing with Lucia since 2008 and we didnt have any issues with her. She’s very accomodating and listens to our needs. She would explains the process thoroughly to us and answers our questions well. She comes highly recommended.”


Agnes T, from Toronto, Ontario

Frances ProtopapasFrances Protopapas
02:50 28 Nov 23
I am so satisfied over the years of many mortgage transactions for myself that I had recommended Lucia to my children, whom in turn have used her many times with satisfaction. My children in turn have also referred Lucia to their friends for a great experience.We feel Lucia is experienced, knowledgeable and has good resources to then follow up with the lawyers to make sure the process is completed in a timely manner. Lucia is an honest, dedicated broker and I continue to recommend her to anyone that wants to get it right the first time.
Barry CaverlyBarry Caverly
18:53 16 Nov 23
We could not be more happy with the interactions we had with Lucia during our latest house purchase. She is so professional and represented us very well to the lenders and we feel she worked extremely hard to get us the best possible deal.We highly recommend her to anyone looking for a mortgage.
Katrina & NathanKatrina & Nathan
17:56 09 Nov 23
Lucia has been incredible to work with, and she has helped us tremendously in securing a great mortgage rate for our first home together! The level of professionalism she displayed from start to finish was impeccable. She was always attentive, would listening to our concerns, and always made herself available to answer our questions. She was always communicating with us and advocated for us throughout the process. Trust me, you will not get this kind of service anywhere else!
Eric AshfieldEric Ashfield
23:00 25 Aug 23
Lucia always offers calm professionalism and absolute dedication to my best interests. She is not judgemental but at the same time, she is practical and absolutely honest. I was right to trust her and you can too! A top, honest professional.
Kalidas KalimuthuKalidas Kalimuthu
22:11 17 Aug 23
Response and friendly communication move to next step.
Anjana SharmaAnjana Sharma
19:36 30 Jul 23
She is very knowledgeable and helpful. She guided us the right path just through a phone call.
Emelle YalcinEmelle Yalcin
18:39 20 Apr 23
Lucia is an AMAZING mortgage broker!! We trusted her to get us the best mortgage rate and she delivered AGAIN. She works very hard to get you the best deal and keeps you informed all through the process. She was an absolute pleasure to work with. I would highly recommend her to anyone, especially 1st time home buyers. Thank you Lucia!
Atena HAtena H
00:27 23 Dec 22
My family and I are living in our new home about half a year now and it would never have been possible without the skilled determination and expertise of Lucia. We were previously working with someone else before Lucia that ended very badly and we were left discouraged and without hope. Lucia came referenced to me by my boss and I'm still thanking him to this day. My husband didn't have much history in terms of credit being a travelling musician all his life, but somehow Lucia made the impossible happen. Securing us with a great rate, terms and borrowing account.She loves what she does and it shows! Its hard to find that these days especially in mortgage brokerage. I hope to work with her again someday if we every choose to move again. It would be a pleasure.
Dolores BrennanDolores Brennan
23:15 13 Dec 22
Lucia was an absolute pleasure to deal with, professional beyond words and totally went above and beyond to help us out with a very difficult financial arrangement. She is so knowledgeable about current market trends and has such patience and determination to make sure she gets you what you need was remarkable.I would highly recommend this amazing lady whose work ethics are incredible.
Ryan CurryRyan Curry
22:35 25 Mar 22
Lucia was able to help me secure my mortgage renewal at a great rate. I was under pressure to lock in the best rate as fast as possible and she made it happen without sacrificing a fraction of a point. She has great interpersonal skills and knowledge of the industry. She worked very quickly and efficiently. Her super quick response time to texts and phone calls was astounding. All in all a great experience. Thank you, Lucia!
Nat BarnesNat Barnes
17:41 08 Jun 21
I can't believe I'm writing this, but Lucia actually made getting a new mortgage a FUN experience! She is an absolute expert in her field, she is tenacious, and she clearly puts her clients first. But even more than that, Lucia is a genuinely kind and thoughtful person who took the time to get to know my family to understand our goals, limitations, and dreams for a new home. Every interaction with Lucia is enjoyable. At the end of the day, she got us exactly what we needed at a great rate... and made it a great experience. I recommend Lucia without reservation.