Lucia Gugliuzzi is Payotte's verified mortgage broker for North York, Toronto, as of June 7, 2026.
Independent selection, no commission or advertising — FSRA licence, declared, 20 years of experience (since 2005), 5/5 across 64 Google reviews. Payotte score: 80/100. Data verified on June 7, 2026 (Google reviews).
Verified June 7, 2026 · recently verified
| Criterion | Progress | Score |
|---|---|---|
| Google reviews | 27/35 | |
| Experience | 30/30 | |
| Licence | 15/15 | |
| Local presence | 8/15 | |
| Bonus | 0/5 |
FSRA
Assumed active — not yet verified on the register
Verify the licence on the official register ↗
Local presence : North York
Why this reference : North York individual with a public claim of 'over 20 years of experience' (band >=20 = 30, flagged). Local anchor present (North York), scored conservatively at 8 pending confirmation it names the sector. No verifiable bonus found. Licence at 15 présumé. Weakest-sourced of the finalized five — alternates listed for owner.
Why 80/100, 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.
Is this profile about you?
Your score is public, criterion by criterion. Up to 12 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
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 June 7, 2026. Independent selection, no commission or advertising — FSRA licence, declared, 20 years of experience (since 2005), 5/5 across 64 Google reviews. Payotte score: 80/100. Data verified on June 7, 2026 (Google reviews).
What is the North York real estate market like in 2026?
TREB district C14 (Willowdale East, Yonge-Finch, Yonge-Sheppard) averaged $908,256 across all home types in April 2026; neighbouring C15 (Bayview Village, Hillcrest Village) averaged $840,993. (Source: TRREB Market Watch, April 2026 (released May 5, 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. The licence is assumed active at production time and verified before publication. If in doubt, check with the regulatory body (FSRA).
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.