22+ YEARS OF MORTGAGE BROKERING | REAL OPTIONS WHEN YOUR BANK SAYS NO
Some mortgages are simple. Others come with the kind of worry that keeps people up at night — a bank that said no, a complicated income, an equity decision with real stakes.
Show more
21 customer reviews
Nicole Thacker
Thanks to Lucia my fiance and I now have a place to call home that we own when we thought it wasn’t possible for us to own! Lucia was amazing and helped us every step of the way and helped us understand the entire process financially. Thank you so much Lucia and I highly recommend working with her! More...
Reviewed on Google Maps
Rayna
Working with Lucia has been a privilegeShe is well versed in every aspect. She has totally gone way beyond for me.She has totally been there and answers all question honestly. She is a person I would and will recommend full hearted.Lucia thank you for all the overtime you have done on my file and the phone calls that you have made in my behalf. You are truly a god sendThank youThank you again and always More...
Reviewed on Google Maps
Jessica Martinelli
My husband and I were discussing our mortgage journey after receiving several “no’s” from major banks, and we were honestly close to losing hope. From our very first conversation, Lucia made a huge difference in our case. She was incredibly attentive, knowledgeable, and reassuring, and she truly made us feel supported throughout the process.It may sound unusual, but I felt compelled to write this review even before our deal was finalized because I was confident she would help us find the best option and secure our mortgage, and she did exactly that.I truly believe God used Lucia to guide us through this journey, and we are beyond grateful for her dedication and care.Thank you so much, Lucia. More...
Reviewed on Google Maps
Ben Corriveau
I can’t thank Lucia enough for moving us through all the steps needed to get our recent mortgage! She combined an impressive amount of professional knowledge with a high degree of personal care, making what could have been a stressful experience very pleasant and productive. At every step of the way, we knew exactly what was happening because Lucia took the time to explain things. Plus, she was always available to us. I can’t say enough about how well-informed Lucia is in what she does and how upbeat she is about how she does it. I will never go to another mortgage broker, and I highly recommend her to anyone who wants to get the best mortgage possible. More...
Reviewed on Google Maps
Peter Kattan
We cannot say enough great things about our mortgage broker Lucia, who played an instrumental role in helping us secure our first home. From start to finish, she guided us with clarity, patience, and genuine care, making what could have been an overwhelming process feel smooth and manageable. Lucia was always available to answer our questions, explain every detail, and advocate for us at each step. Thanks to her expertise and dedication, we felt confident, supported, and truly excited as we crossed the finish line into homeownership. We are incredibly grateful and would highly recommend Lucia to anyone looking for a broker who genuinely puts their clients first. More...
Reviewed on Google Maps
Richard
This was my first experience purchasing a home and dealing with brokers, lawyers and the such, as I’m sure many of you can understand, it’s a Very! Overwhelming process, with a lot of phone calls, emails and text messages going on through the process, mostly at uncomfortable times both while you’re working and even when you’re off the clock, I also work a very stressful and time consuming job that requires me to to travel and work unexpected hours/overtime, but through this process, I have nothing but positive things to say about my Wonderful broker Lucia, she is the type or person that goes above and beyond what is required of her to not only make you feel comfortable but also ensure you understand the process and what is necessary of you, the one requiring her services, Lucia has also been nothing but patient and relatable to both my ignorance and availability, she is the one part of this experience I’ve pleasantly enjoyed, she’s shows compassion and understand and is willing to comb through all avenues to find solutions to your situation as long as you are willing to work with her, she is not a woman I would view as anything but a professional, at what she does. I know people read these reviews with a bit of scepticism but I implore you the reader to look at her other review because I’m not the only one who has been helped by this wonderful lady. I can whole heartedly say she’s the perfect person for the profession she is in and wouldn’t ask for anyone else, as both my broker and someone I’ve built a relationship with, that I would like to call my friend. More...
Reviewed on Google Maps
Alexander O'Brien
We can’t say enough wonderful things about our dedicated Mortgage Broker, Lucia Gugliuzzi from Mortgage Architects. She has been absolutely instrumental in helping us navigate a very successful—and stress-free—mortgage renewal. Thanks to her expertise, determination, and strategic guidance, we were able to secure a truly spectacular fixed rate that we would never have achieved on our own.What sets Lucia apart is her unmatched dedication. She has been available to us 24/7, always responding with patience, clarity, and genuine care—no matter how big or small our questions or concerns were.A perfect example of her commitment: when our lender unexpectedly sent us incorrect renewal terms, Lucia stepped in immediately. She spent hours on our behalf—late into the evening—communicating with multiple departments, correcting errors, and ensuring the final documents reflected exactly what we had agreed upon. She turned what could have been a stressful, disappointing situation into a smooth and successful outcome, all while keeping us fully informed and reassured.Her ability to simplify the complex, advocate fiercely for her clients, and consistently deliver real results is nothing short of exceptional. Lucia is the definition of professionalism with heart. Her dedication is on a spectacular level, and we feel incredibly grateful to have had her in our corner throughout this process.If you want someone who will go above and beyond for you every single time, look no further than Lucia Gugliuzzi. Highly, highly recommended! More...
Reviewed on Google Maps
MATTEO NELLI
Perfect job and give the best support . Lucia she is the best like consultant and strategy for buy a property . Suggested for anyone that thinking to purchase a house
Reviewed on Google Maps
Laura Elliott
Lucia was an absolute pleasure to work with. In a time of absolute need and expedience for my ailing parents, she not only was extremely professional but also showed her kindness and empathy towards the situation. Lucia spent hours upon hours of her own personal time to assist with our unconventional circumstances. This is a person that you need on your side to get things done right and promptly. Her experience and knowledge guided us through an extremely difficult situation. I can’t say more things than this is the person to have by your side when making the decisions needed for a mortgage. Thank you Lucia! More...
Reviewed on Google Maps
Cathy
Lucia is amazing. She is so knowledgeable. I had a few questions for her and she was most helpful and patient with me. I would highly recommend Lucia for all your mortgage needs!
Reviewed on Google Maps
Amanda McCaskie, Realtor
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! More...
Reviewed on Google Maps
Simone Hernandez
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. More...
Reviewed on Google Maps
Happy Client
I’ve had the pleasure of working with Lucia over the past month to secure a Reverse Mortgage. After some challenging experiences with others, I reached out to her—and I’m so glad I did. Lucia has truly been a guiding light throughout the entire process. Despite a few hurdles along the way, she remained consistently positive, proactive, and focused on finding the best solution for our financial needs. She kept in regular contact, often checking in multiple times a day with updates and clear direction. Lucia is far more than just a broker. Her years of experience have given her a deep understanding of the process and a remarkable level of professionalism across the board. I’m grateful for her dedication and would highly recommend her to anyone navigating this journey. More...
Reviewed on Google Maps
Anna D
Outstanding service, Highly recommended. I had an amazing experience working with Lucia on securing my mortgage. From start to finish, she was incredibly professional, knowledgeable, and dedicated. She took the time to explain every step of the process clearly, answered all my questions promptly, and found the best possible mortgage option for my needs. What really stood out was her attention to detail and personal commitment, Lucia truly went above and beyond to make sure everything went smoothly. Thanks again for your expertise. More...
Reviewed on Google Maps
Adina Runcanu
I’ve known Lucia for over 15 years and have worked with her on multiple mortgages during that time. Each experience has been seamless, professional, and personalized. She’s incredibly knowledgeable, detail-oriented, and truly goes above and beyond to ensure everything runs smoothly from start to finish. What sets Lucia apart is her honesty, responsiveness, and genuine care for her clients. She takes the time to explain every step and always finds the best possible solution tailored to your unique situation. I always feel confident and supported working with her, and I wouldn’t trust anyone else with such an important part of my financial life. I highly recommend Lucia Gugliuzzi to anyone looking for a top-notch mortgage broker! More...
Reviewed on Google Maps
Angelina Fortini
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! 🙏🏼
Reviewed on Google Maps
Susan Oswald
Lucia is a true professional, she is goal oriented, kind and sincere. I have full confidence in the information, she gives as i know from experience that she finds solutions based on her clients unique individual needs. Lucia exemplifies customer service at its best; she takes her time to explain what she is doing and she listens to you as a client. Lucia makes you as a client feel calm in one of the most important financial decision you will ever make. Lucia is readily accessible via phone, text or email. Lucia worked hard to help me reach my goals and guided me every step of the way. Thanks for all your support and assistance. More...
Reviewed on Google Maps
sasha
Mortgage Advice
Lucia is very knowledgeable and wanting to help you get the best service.
Lucia Dellaterza
Mortgage Advice
Amazing, people person, hardworking. The best.
Will Bachewich
Mortgage Advice
Lucia was very helpful and quick to respond back to my questions.
Reply from Lucia Gugliuzzi - Mortgage Broker Lic. 12728
Thank you so much for your input, it's very helpful. You are welcome to ask me questions anytime you need my assistance and input.
Mario Daniel Sconza
Lucia is awesome! She and her team exactly know what they are doing. They provide excellent customer service and have in-depth knowledge of the business. We refer clients with high assurance that they receive the very best in their craft. Their experience hone their skills and talents that they share with their referred clients. Thank you Lucia for your team and the wonderful experience. May you and your company continue to grow and help your community. More...
Reviewed on Facebook
What do you love most about your job?
I love taking the stress out of the mortgage process. Many clients come to me frustrated after dealing with banks — slow answers, uncertain responses, or feeling like just a number. What I enjoy most is giving people clarity, options, and personal guidance so they know exactly where they stand. Seeing the relief on a client’s face when things finally make sense is the best part of my work.
What inspired you to start your own business?
Coming from the banking world, I wanted clients to have more personal support and real guidance. Too often people felt like a number at the bank, so I started my own business to offer multiple options, clear answers, and one-on-one service.
Why should our clients choose you?
Clients choose me because I make the mortgage process clear and manageable. Banks often give slow responses and limited options — I offer fast answers, multiple lending choices, and full transparency. With over 20 years of experience and consistent 5-star reviews, my focus is always on getting the best outcome with no surprises
Can you provide your services online or remotely? If so, please add details.
Yes — most of my services can be provided online or remotely. I meet clients by phone, video call, or secure email, and handle applications, document collection, and approvals digitally. I use robust tools to ensure privacy and security, so clients can work with me from anywhere in Ontario with full confidence.
What changes have you made to keep your customers safe from Covid-19?
I like to think Covid is a thing of the past, but during that time my clients never experienced a lack of service. All files were handled safely and securely, and the systems I put in place then continue to keep the process smooth, private, and convenient today."
Mortgage refinancing
Mortgage Refinancing
Unlock your home's equity or secure a better rate!
I've helped hundreds of homeowners refinance to save thousands annually or access cash for renovations, investments, or debt consolidation.
Quick approvals, competitive rates, stress-free process.
Free consultation - most clients pay no broker fees.
Self-Employed Mortgages
Self-employed? No problem! I specialize in getting entrepreneurs, contractors, and freelancers approved when banks say no.
I know exactly how to present your income and find lenders who understand your business. Let's get you that mortgage.
Free consultation - most clients pay no broker fees
First Time Home Buyers Mortgages
Ready to own your first home? I'll guide you through every step - from pre-approval to closing day. Access to first-time buyer programs, down payment assistance, and insider knowledge to beat competing offers.
Your dream home awaits!
Free consultation - most clients pay no broker fees
Equity Take-Out Mortgages
Turn your home's equity into cash!
Whether it's home renovations, investment opportunities, debt consolidation, or major purchases - I'll help you access your equity with competitive rates and flexible terms.
Your home is your wealth - let's unlock it!
Free consultation - most clients pay no broker fees