Disclaimer

The information on this website is provided for general educational purposes only and is not financial, legal, or tax advice. Every mortgage situation is different — please speak with me directly before making decisions.

Approvals

No mortgage approval is guaranteed. All approvals, rates, and terms are subject to lender criteria, property and credit assessment, and may change without notice. Products and programs are offered on approved credit (O.A.C.).

Rates

Any rates referenced are representative only, are not an offer of credit, and change daily. Your actual rate depends on your full application and the lender selected.

Calculators

The mortgage calculator on this site provides estimates for illustration only, using Canadian semi-annual compounding. Actual payments, insurance premiums, and costs depend on your lender and approval. Confirm current CMHC rules at cmhc-schl.gc.ca and government rules at canada.ca.

Licensing

Lucia Gugliuzzi is a licensed Mortgage Broker (FSRA #M08005123), licensed with Mortgage Architects (FSRA Brokerage #12728). Mortgage brokering in Ontario is regulated by the Financial Services Regulatory Authority of Ontario (FSRA).