Are Your Mortgage and Credit Card Payments Too High? Let’s Fix That.
Refinance to lower your payments, clean up high-interest debt, or unlock equity — with a mortgage broker who works for you, not the bank.
20+ Years in Mortgage Lending • 18 Years in Banking • 50+ Lender Options • Ontario Homeowners.
Refinancing Isn’t Just About Rates — It’s About Relief, Flexibility, and Breathing Room
Your payments are too high and straining your monthly budget.
You’re stuck in a mortgage that no longer fits your life situation.
You want to consolidate high-interest debt into one, more manageable payment.
You’re self-employed and banks won’t give you straight answers.
You want to free up equity for renovations, investments, helping family, or major life changes.
Your current mortgage terms are restrictive, outdated, or just more expensive than they should be.
You simply don’t know whether your rate is still competitive — and that uncertainty is stressful.
If this sounds like you, refinancing isn’t about “starting over.” It’s about getting control back so your mortgage supports your life instead of stressing you out every month — especially if a renewal or major life change is coming up in the next 6–12 months.
What You Get From Your 20-Minute Refinance Call
In a quick 20 minutes, we will:
Look at your current mortgage, debts, and goals so we’re clear on what’s squeezing your cash flow.
Check if a refinance realistically helps — lower payment, clean up high-interest debt, or unlock equity — without sugar-coating.
Outline your best next step, even if that means waiting or preparing for a better position instead of rushing.
No pressure, no scripts. Just straight talk, numbers, and a plan.
Why Homeowners Across Ontario Trust Lucia With Refinancing
Fast, Accurate Savings Analysis
Within 24–48 hours, you’ll get a clear breakdown of your potential monthly payment, penalties, and options — explained in plain language, without the bank jargon.
50+ lenders, not just one bank
Banks only offer their own products. With 20+ years in mortgage lending and 18 years in banking, I use that inside knowledge to shop 50+ lenders and look for solutions that actually fit your goals, not the bank’s balance sheet.
Real Help for Real-Life, Non–Cookie-Cutter Situations
Self-employed, a few credit bumps, new-to-Canada, or income that doesn’t fit neat boxes? Maybe your bank already said you “don’t fit the box.” These aren’t rare exceptions for me — they’re everyday files. With access to 50+ lenders, I know where you’re more likely to get a fair look instead of a fast “no."
"Switch Now, Improve Later” Strategy
If your situation isn’t perfect today, we map out a 12–24 month plan to clean things up and move you into stronger products and better rates when the time is right.
No Guessing, No Stress
You get step-by-step guidance, clear explanations, and support through the entire process so you always know what’s happening and what comes next.
Real Clients. Real Savings. Real Results.
Start My Refinance Review
Share a few details below and I’ll personally review your situation. You’ll get clear feedback and next steps — no obligation, no pressure.
I usually reply within one business day.
When Should You Consider Refinancing?
Lower Monthly Payments
Reduce your interest rate or adjust your term so your mortgage payment fits your real cash flow instead of stretching you every month.
Debt Consolidation
Roll high-interest credit cards and loans into your mortgage for one lower payment, with a clear plan to get ahead instead of spinning your wheels.
Access Your Home Equity
Use your built-up equity for renovations, investments, education, helping family, or major life events — with a strategy that keeps you protected long-term.
If your renewal or a major life change is coming up in the next 6–12 months, this is the time to review your options — before your payment jumps and locks you into another term that doesn’t fit.
Frequently Asked Questions
Can I get approved even if the bank already said no?
A bank decline doesn’t mean you can’t get a mortgage — it usually means that lender wasn’t the right fit. I work with 50+ lenders, including those who specialize in self-employed, credit-rebuilding, or non-traditional income files. Many clients who were declined at their bank get approved once we match them with the right lender and product.
How fast can I get a pre-approval?
Most pre-approvals are completed within 24–48 hours, depending on the documents provided. I streamline the process and guide you step-by-step so you know exactly what to expect and what comes next.
Do you work with self-employed, new-to-Canada, or credit-challenged borrowers?
Yes — these are some of my core specialties. Self-employment income, thin credit files, recent arrivals, or past financial challenges do not automatically disqualify you. The key is matching your situation to the right lender.
What documents do I need to start?
For most clients, we begin with:
- Government ID
- Proof of income (employment or self-employed)
- Credit report
- Bank statements
Once I review your situation, I’ll tell you exactly what’s needed — no guesswork.
Do you charge for mortgage consultations?
No. Your initial refinance review and consultation are completely free. You can book a call or simply fill out the form to get started.
My mission is simple: make refinancing clear, manageable, and as stress-free as possible. With 20+ years in mortgage lending, 18 years in banking, and access to 50+ lenders, I’m here to protect your cash flow and your best interests — not the bank’s. You get honest advice, clear options, and a plan that fits your real life.
Mortgage Architect License Number - 12728
Contact Lucia Gugliuzzi