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Vaughan, ON

Toll-Free: 1-888-502-2085

Fax: 647-494-4300

Tel: 647-494-4200

Email: [email protected]

mortgage advice

If you want to buy a house and need a mortgage, you have come to the right place.

If you want to buy a home, you have come to the right place!

There are long-term commitments that impact your financial stability. Get professional mortgage advice to navigate this complex process and make informed decisions for your future.

Getting a mortgage can seem overwhelming, especially if you’re a first-time homebuyer. Please don’t worry; I’m here to help you through the process.

I can help you if you have debt, trouble saving money, or want to make the most of your finances. I aim to offer you the knowledge and direction to tackle these problems and make informed choices about your money.

First, I’ll look at your current financial situation and find any challenges you may have.

I enjoy helping individuals make decisions and providing the necessary information to manage their finances and reach their goals.

With my help, you can feel assured that you’re headed toward financial success.

Why should you get Mortgage Advice?

Buying a home requires careful consideration and involves paperwork, legalities, and financial decisions. Securing a mortgage is crucial to fund the purchase, as it is a long-term commitment that impacts your financial stability.

Home buying process

Mortgage advice is crucial for informed decisions. A mortgage advisor provides insights on mortgages, types, application processes, and pitfalls. They help secure a mortgage aligned with your goals and financial situation.

In the past 6 to 8 years, we have been inundated with mortgage rules and rate increases. This has made our industry harder to understand because we have undergone many changes. You can use the services of an experienced mortgage expert to make sure that you are in capable hands if you don’t mind.

The Benefits of Independent Mortgage Advice

Choose independent mortgage advice for unbiased advice and more options, avoiding banks or lenders directly. Our services are free except for a few, and we work with most lenders.

Access to a Wide Range of Lenders

When seeking mortgage advice, banks and lenders only offer their products. This limits your options. Independent mortgage advisors can access a broader range of lenders and provide comprehensive options. They can also compare and negotiate with lenders, saving you time and effort while securing the best rates and terms.

Tailored Advice for Your Specific Needs

Independent mortgage advisors consider your unique financial situation and goals to recommend a tailored mortgage product. They assess factors like income, credit score, and plans. They also help plan for the future, supporting long-term goals like starting a family, early retirement, or property investment.

Impartial Advice

Bank and lender bias can lead to self-serving mortgage advice. Independent mortgage advisors have no ties to lenders, ensuring unbiased advice. Regulated by financial authorities, they prioritize your interests. Transparently explaining costs and risks, they provide trustworthy advice.

Expert Knowledge and Experience

Mortgages are complex with different types and conditions. Independent advisors have up-to-date knowledge and experience in the market, providing valuable insights and advice. They also assist in the application process, making it easier and less stressful.

Why Choose Lucia Gugliuzzi, Mortgage Broker – Mortgage Expert

This is the place if you’re looking for independent mortgage advice anywhere in Ontario.

Being part of the largest mortgage broker organization, I ensure I am up to date with the industry. I work hard to assist my clients in finding the top mortgage options.

My passion is helping clients solve issues they need help to resolve. I am more than a mortgage when helping someone. A mortgage guide is not just a mortgage rate; this is why I go above and beyond.

Here are some reasons why you should choose me for your mortgage advice needs. Please feel free to check my Google reviews.

Extensive Lender Network

It is my practice to “underpromise and over-deliver.” You will get a personalized service and a wide range of mortgage options from major banks and specialized lenders. I examine your budget and ensure you are in your mortgage for the long haul. With our extensive network and strong relationships with lenders, we secure the best deals for you.

Personalized Service

We provide personalized mortgage advice and service. Our streamlined process handles all paperwork and lender communication, ensuring a hassle-free experience while you search for your dream home.

Impartial Advice

We offer unbiased mortgage advice with no ties to lenders. Our transparent approach helps you understand costs and risks. Our goal is to help you choose the best mortgage.

Expert Knowledge and Experience

Experienced mortgage advisors with up-to-date knowledge and expertise help clients make informed decisions. Advisors undergo regular training to stay current with mortgage products and regulations, providing top-tier advice and service.

How to Schedule a Call with Us

It will be surprising to find all the rules and mortgage regulations implemented over the last 6 to 8 years. We know people are very busy, and keeping up with the mortgage rules and variations can take time and effort. This is why we have flexible options for scheduling a call with me whenever you have time. Please choose a reasonable time.

You can schedule a call with me directly through our website if you like. You can also request a virtual call. Could you fill out the online form with your contact information and preferred date and time for the call?

While providing mortgage experience, I have found that one-on-one conversation is more beneficial than email. It is more productive and can explore more options and find more answers.

Our online booking system is available 24/7, so you can schedule a call whenever works best for you. We aim to make booking easy and convenient for our clients.

Phone Call

I can be reached directly at (647) 494-4200 or on my mobile at (416) 346-6740. I’ll be happy to arrange a call with you. Feel free to get in touch!

Discussing your financial circumstances can often be sensitive, as people typically have strong emotions and worries.

I want you to feel comfortable and safe when discussing your finances. It is important to me that everything we discuss is kept private, and your personal information is protected.


Email is a good option if you prefer to communicate in writing or have a busy schedule. However, feel free to reach out to me by email at [email protected] whenever you’re ready. I’m here to help you; share your contact information and let me know what you prefer for our call.
I’m looking forward to talking with you.

I want to reply to all emails daily, and we use email to double-check appointments.

What would you like to Expect During Our Call?

During the call, we will discuss your finances and goals and gather information to provide tailored mortgage advice. You can ask questions and express concerns. My goal is to help you make informed decisions and start the mortgage application process if you are comfortable.


Make informed choices and find the right mortgage for your needs. Seek independent mortgage advice for guidance and save time. We offer impartial, personalized advice. You can schedule a call today to get your mortgage answers from our experienced advisors if you like.

Mortgage consultation

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.