Trillium Housing
Bridging the Gap to
Homeownership
A Trillium Mortgage fills the financing gap between what a lender will approve and the price of the home.
No monthly payments. Repayment at refinance or sale. You own it. You build equity.
See How It Works →
2013
established
400+
homes delivered
Ontario
non-profit
Co-founded by current owner Joe Deschênes Smith, former Chief of Staff, Ontario Minister of Municipal Affairs & Housing. Trillium has been expanding access to homeownership since 2013.
who is this for
You May Already Be Closer
Than You Think.
Many moderate-income households can qualify for a mortgage and manage the monthly payments. The challenge is the gap between what a lender approves and the price of the home. That gap is what the Trillium Mortgage is designed to fill.
Learn more about eligibility →
You likely qualify if you:
how it works
Four Steps to Homeownership.
A straightforward process built around your existing mortgage.
See full details on how the mortgage works →
1.
Qualify for a first mortgage.
Trillium can connect you with experienced mortgage professionals to get you started.
2.
Contribute your down payment.
A minimum down payment is required as part of the purchase.
3.
Trillium fills the gap.
The Trillium Mortgage provides the additional equity needed to complete the purchase.
4.
No monthly payments.
Repayment occurs when you refinance or sell. Appreciation is shared.
Trillium Housing
Take the First Step.
Applications are available exclusively through this website.
Start with a short pre-screen to see if you may qualify.
Start pre-screen