Concord · Vaughan
Mortgage Broker in Concord
Hi, I'm Lucia Gugliuzzi, a licensed mortgage broker based right here in Vaughan, and I work with buyers and homeowners across Concord every week. Whether you're buying your first place near Jane and Highway 7, moving up to a bigger home for a growing family, or simply renewing and wondering if your bank is really giving you its best, I'm here to walk you through it in plain language with no pressure and no jargon.
Because I work as a broker through Mortgage Architects, I'm not tied to one bank's products. I compare options across 50+ lenders to find the fit that actually suits your situation. After 22+ years doing this, I've learned that the right mortgage isn't about one headline number, it's about the whole picture, and that's what we'll sort out together.
Concord is an established community within the City of Vaughan, in York Region, sitting at the centre of the city around the Jane Street and Highway 7 corridor, close to the Vaughan Metropolitan Centre and well connected to Highways 400 and 407. It's a genuinely mixed pocket: long-settled residential streets where families have lived for decades, newer infill and townhome developments, and a strong commercial and industrial base that means a lot of my Concord clients are self-employed or run businesses of their own. That blend is exactly why having a broker who can present non-traditional income to the right lenders matters here, and why the same approach rarely fits every household. Whether you're a longtime owner thinking about refinancing, a commuter who values the quick access to the subway and the 400-series highways, or a first-time buyer trying to break in, I tailor the plan to you and to how lenders actually read a Concord file.
Land transfer tax in Concord
When you buy in Concord, you'll pay Ontario's provincial Land Transfer Tax on closing, but here's a real local advantage: because Concord is part of the City of Vaughan and not the City of Toronto, there is no additional municipal land transfer tax here, which can save Vaughan buyers a meaningful amount compared to buying in Toronto. If you're a first-time buyer, you may also qualify for the Ontario first-time homebuyer LTT refund, and I'll help you factor all of this into your closing costs so there are no surprises (always confirm current LTT rules and refund amounts at ontario.ca).
As of 2026, homebuyers in Concord pay Ontario's provincial Land Transfer Tax but, because Concord lies within the City of Vaughan (York Region) rather than the City of Toronto, no additional municipal land transfer tax applies. Confirm current rates and the first-time buyer refund at ontario.ca.
How I help Concord homeowners
- First-time buyers breaking into the Concord and wider Vaughan market
- Self-employed owners and business operators with non-traditional income
- Families moving up to a larger Concord home
- Homeowners refinancing to access equity or consolidate debt
- Renewals - so you don't just sign the bank's first offer
- Investors and rental-property buyers in York Region
Popular with Concord clients
Buying a home
Home Purchase
Navigate rates, the stress test, and pre-approval to secure the right mortgage for your next home — with the lender that actually fits you.
First-time buyers
First-Time Buyers
Down payment, the stress test, FHSA/RRSP, and first-time programs explained — with a broker who answers every late-night question.
Refinancing
Refinance
Lower your rate, consolidate debt, or access your equity — compared honestly across 50+ lenders so you only move if it actually pays.
Self-employed
Self-Employed
Being self-employed shouldn’t mean being denied. I know how to present your income to the right lenders and find your options.
Concord mortgage questions
Do I pay Toronto's land transfer tax when buying in Concord?
No. Concord is part of the City of Vaughan, not the City of Toronto, so you don't pay the additional municipal land transfer tax that Toronto buyers face. You'll still pay Ontario's provincial Land Transfer Tax on closing, and if you're a first-time buyer you may qualify for the provincial refund. I'll calculate your full closing costs up front so the numbers are clear before you make an offer.
I'm self-employed in the Concord area. Can I still get a mortgage?
Often, yes. Concord has a strong base of business owners and self-employed residents, and these are exactly the files I work on most. The key is presenting your income the way lenders need to see it. I compare across 50+ lenders, including those who specialize in self-employed borrowers, to find your options. Approvals always depend on lender criteria, but you usually have more paths forward than a single bank will suggest.
How fast can I get pre-approved before I start house hunting in Vaughan?
Once I have your documents, a pre-approval is typically ready in 24 to 48 hours. Getting pre-approved before you shop in Concord means you can make confident offers and lock in a rate hold while you look. We can do the whole process in person, by phone, or over video, whatever works best for you.
