Meet Lucia Gugliuzzi Mortgage Broker With 20+ Years helping clients get approved — Even When the Banks Say “No”
Stressed about your mortgage? I help Ontario buyers and homeowners get clear answers, real options from 50+ lenders, and a plan that actually fits your life — not just a bank’s box.
Serving Vaughan & all of Ontario with honest guidance and real solutions.
If you’ve already heard “computer says no” or you’re staring at a renewal letter with a knot in your stomach, you’re in the right place.
No pressure. No judgment. No scripts. Just a straight answer about what’s still possible.
Meet Lucia — Your Mortgage Partner, Not Just Your Broker
Hi, I’m Lucia Gugliuzzi, and for over 20 years, I’ve been helping Ontario families get approved for the homes they love, including many who were first turned away by traditional banks.
My career started inside Canada’s major banks, where I spent 18+ years learning the mortgage approval process from the inside. I saw how often good people were declined simply because they didn’t fit into a standard box. That didn’t sit well with me. So I built a service centered on transparency, education, and real solutions - not excuses.
Today, I work with people who are anxious about approvals, nervous about renewals, or tired of feeling judged because of how they earn or what’s happened in the past. Whether you’re self-employed, new to Canada, rebuilding credit, or just overwhelmed, I walk you through everything step by step, in plain language, so you always know where you stand and what happens next.
Who I’m Really A Good Fit For
If any of this sounds like you, you’re exactly who I built this for:
◾ The bank has declined you or you’re scared they will, and you don’t want to lose a home, a refinance, or a renewal option.
◾ Your mortgage renewal is coming up and you’re stressed about higher payments, higher rates, or being pushed into a bad option.
◾ Your credit is bruised and you’re tired of feeling like that’s the end of the story.
◾ Divorce & Separation Mortgages - Protecting equity, buying out a partner, or setting up a fresh start with a mortgage that still works long-term
I also regularly help clients with:
◾ First-time home buyers who don’t want to make a costly mistake
◾ Newcomers to Canada who don’t understand the rules yet
◾ Self-employed and business owners whose income doesn’t fit bank boxes
◾ Reverse and retirement-focused mortgages
◾ Investment property financing
Worked with a broker before and still felt left in the dark? I’m the one people come to when they want the full picture, not just a rate.
Here’s what working with me usually looks like:
Step 1 - 20-Minute Call or Form Submission
You tell me what's happening: bank decline, renewal letter, payment stress, credit issues. I ask a few focused questions so I can see the full picture.
Step 2 – Behind-The-Scenes Lender Work
I review your documents and look at solutions from 50+ lenders, not just one bank fits all.
Step 3 - Clear Options In Plain Language
You see what you qualify for, how it affects your payments and long-term plans, and my professional recommendation.
Step 4 - Smooth Approval & Ongoing Support
I manage the process, keep you updated, and advocate for you until your mortgage closes (and beyond).
You leave the conversation knowing exactly where you stand and what your next move is. At minimum, you walk away with clarity — no cost, no obligation.
What Makes My Mortgage Process Different
Competitive rates are important, but they’re just the beginning.
Anyone can quote a rate. My job is to make sure you don’t regret the fine print later.
As an experienced Mortgage Broker in Ontario, I don’t just secure a mortgage and disappear. I demystify the entire process so you understand every option and every trade-off before you sign anything.
I can’t promise every file gets an approval — but I can promise straight answers, my best work, and zero sugar-coating.
I Work For YOU — Not the Lender
I shop 50+ lenders to find the right mix of approval odds, terms, and structure that protects you — not a bank’s quarterly report.
Fast Approvals (24–48 Hours)
Once I have your documents, I can usually give you clear direction within 24–48 hours, so you’re not sitting in limbo while deadlines and rates move.
20+ Years of Industry Experience
From banking to brokering, I’ve worked through multiple market cycles and rule changes. I know how underwriters think — and how to keep your file moving instead of stuck.
Unique Cases Are My Specialty
Self-employed, credit challenges, newcomers — I handle complex cases daily. If your situation isn’t “cookie-cutter,” that’s where I do my best work.
What Clients And Partners Say
Here’s what it feels like on the other side of the stress:
A Trusted Realtor Partner
Lucia was very responsive, she got the mortgage done for my clients. Great rates. It was a pleasure to deal with her. She went above and beyond to get my clients a good deal on their mortgage. I'm very pleased with what Lucia has done. It's been a pleasure and I hope you can help more of my clients get into homes!
Clients Who Had Big Questions And Big Goals
Lucia is AMAZING!!! She works to get her clients the best mortgage rates ever and will not stop until that is established. You can connect with her anytime and the takes time to explain any questions or concerns her customers may have no matter how long it takes. Thank you Lucia for everything, you make the process look like a walk in the park.
A Client Who Had Big Goals
My husband and I couldn’t be happier with Lucia! She has been INCREDIBLY helpful. Lucia has made getting a mortgage so easy and stress free, I was blown away with how smoothly everything went and I know it’s because we had Lucia on our side. Highly recommend her! 🙏🏼
First-Time Buyers Who Wanted Hand-Holding, Not Headaches
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!
Tell Me What’s Going On — I’ll Take A Look
If you’re stressed about a decline, a renewal, or your payments, send me a few details. I’ll personally review your situation and let you know what’s possible, or what needs to happen next to get you there.
I respond to every inquiry myself. If it’s urgent, call me at 647-494-4200
My mission is simple: make the mortgage process honest, clear, and as low-stress as it can possibly be — especially for people who feel like the system has already shut the door on them. If you’re worried, embarrassed, or just tired of getting the runaround, you’re exactly who I built this for.
Contact Lucia Gugliuzzi
Mortgage Architect License Number - 12728