Lucia Gugliuzzi is Payotte's verified mortgage broker for North York, Toronto, as of May 30, 2026.
Independent selection, no commission or advertising — FSRA licence, declared, 20 years of experience (since 2005), 5/5 across 64 Google reviews. Payotte score: 77/100. Data verified on June 7, 2026 (Google reviews).
Verified May 30, 2026
| Criterion | Progress | Score |
|---|---|---|
| Google reviews | 27/35 | |
| Experience | 30/30 | |
| Licence | 12/15 | |
| Local presence | 8/15 | |
| Bonus | 0/5 |
FSRA
Licence number not published — check on the official register
Check the licence on the official register ↗
Local presence : North York
Why this reference : Lucia Gugliuzzi earns a Payotte score of 77/100 — backed by a 5★ Google rating across 64 reviews, 20 years of experience (since 2005) and a FSRA licence. That makes them the verified mortgage broker for North York.
Why 77/100, and not 100?
The points below are not taken away from Lucia Gugliuzzi: they are simply not yet awarded, for lack of a public source to verify them. Payotte estimates nothing and invents nothing.
- Local presence in North York not confirmed. No public source proves how many files were closed in this specific sector — only the professional holds that figure.
- No verifiable distinction found (industry award, press citation, teaching role). Absence of evidence, not evidence of absence.
- No licence number published on this profile. The body is named, but without a number a reader cannot confirm the registration in the register themselves.
Is this profile about you?
Your score is public, criterion by criterion. Up to 15 points are out of reach — not because you don't deserve them, but because no public source lets us verify them. From you, we need:
- up to 7 pts — your presence in North York: files closed there over the past twelve months, and the address of the office that serves it
- up to 5 pts — a verifiable distinction: an industry award, a press citation, a teaching role
- up to 3 pts — your licence number, so we can confirm it in the register
We verify, we date it, we publish. It is free, and it buys no ranking — only an accurate profile.
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Sources & verification
Payotte only publishes verifiable data. Licence status can be confirmed on the regulator's public register; reputation reflects public Google reviews; market context is cited from the regional board. No data is invented or paid for.
- FSRA licence — to confirm on the public register ↗
- 5★ rating, 64 reviews — Google (public)
- Market context — TRREB (Toronto Regional Real Estate Board) ↗
- Our methodology
Frequently asked questions
Who is the best mortgage broker in North York in 2026?
Lucia Gugliuzzi is Payotte's verified mortgage broker for North York, Toronto, as of May 30, 2026. Independent selection, no commission or advertising — FSRA licence, declared, 20 years of experience (since 2005), 5/5 across 64 Google reviews. Payotte score: 77/100. Data verified on June 7, 2026 (Google reviews).
What is the North York real estate market like in 2026?
Figures for the City of Toronto as a whole, which includes North York. In August 2026, the MLS® benchmark price across the City of Toronto stood at $918,400, down 3.73% year over year. The average price, all property types combined, was $979,684. By property type: detached $1,437,900 (−4.33%), semi-detached $1,127,200 (−4.07%), townhouse $717,200 (−5.62%), and apartment $547,400 (−6.88%). There were 1,767 sales during the month. With 4.6 months of inventory, the market is balanced by the standard board convention (under 4 months: sellers; 4 to 6: balanced; over 6: buyers). Homes took an average of 35 days to sell. (Source: TRREB, August 2026)
How was the best mortgage broker in North York selected?
Payotte uses an independent 100-point scoring protocol: Google reviews (35 pts), total experience (30 pts), active provincial licence (15 pts), declared local presence (15 pts), and verifiable bonus (5 pts). No commission, no advertising.
Is the information on this expert up to date?
Data is captured on the date shown on this profile. Payotte publishes the regulator so you can check the licence yourself on the official register (FSRA) before hiring this professional.
Does Payotte earn a commission?
No. Payotte is a free, independent, ad-free service. No commission is earned and no professional pays to appear on the site.