In 2026, Lucia Gugliuzzi, a mortgage broker active since 2005, rated 5/5 across 64 Google reviews, a declared member of FSRA, is Payotte's verified mortgage broker for North York, Toronto. Independent selection — no commission, no advertising.
Lucia Gugliuzzi is a Payotte-verified mortgage broker in North York, Toronto — FSRA licence, 20 years of experience, a 5/5 rating across 64 Google reviews, a Payotte score of 80/100. Verified on 2026-06-07.
| Criterion | Progress | Score |
|---|---|---|
| Google reviews | 27/35 | |
| Experience | 30/30 | |
| Licence | 15/15 | |
| Local presence | 8/15 | |
| Bonus | 0/5 |
8787 Weston Road, Unit 21A, Woodbridge, ON
Languages : English
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.
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) ↗
- Data captured on 2026-06-07 · Our methodology
Frequently asked questions
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.