No Income/Credit Required - Borrow up to 90% of Your Home Equity. You are APPROVED on EQUITY NOT Credit.

Get a Second Mortgage – The Fastest Way to Borrow Money From Your Home Equity

If you have been struggling with your monthly payments due to high interest rates on your credit cards or unsecure loans, you can now use your home equity to take out a second mortgage to consolidate your high interest debt into a more manageable loan and become debt free sooner. Our second mortgage program opens the door to many private lender mortgages that offer you the ability to take out a 2nd mortgage or a private mortgage even if you have are going through::

Power of Sale
Tax Arrears
Mortgage Arrears
Low/No Income
No Employment
Bad Credit/No Credit
The second mortgage is the fastest and easiest way to borrow money from the equity you have built in your home. Whether you live in a major urban area or a rural area, as long as your home is in Ontario and you have sufficient equity in your home, then you are qualified to apply for a second mortgage. I have access to many private lenders in each area with flexible lending policy that do not require income or credit qualifications.

What is a Second Mortgage And How Does it Work?

A second mortgage, also known as a home equity loan, is created when homeowners that already have a first mortgage decide to take out a second mortgage based on the equity in their home. Second mortgages are then registered second on the title and thus carry higher risk for the lender. Therefore second mortgage lenders charge higher interest rate to compensate for the added risk. Since 2nd mortgages have one or two year terms, homeowners who take out a second mortgage can pay out these loans by refinancing their first mortgage when it comes up for renewal which means the homeowners increase their first mortgage amount during the refinance to pay out the second mortgage.



Debt Consolidation

Lower your monthly payments by paying out high interest debt and credit cards

Renovate / Invest

Use the funds to renovate your home or as a down-payment for a new purchase

Mortgage Arrears

Pay out tax and mortgage backlogs to save your home from the province

Emergency Cash

Access to quick and easy cash to pay consumer proposal, judgements or urgent bills

Bad Credit OK

Your credit is not an issue, all credit types accepted

Past Bankrupticy

Your past bankruptcies won't stop you

Consumer Proposal

Pay off your consumer proposal
FAST 48Hr Closing

FAST 48Hr Closing

Fast approval & quick closing mortgages available

No Credit and Income Qualification Required

Second mortgage lenders and private lenders are often referred to as equity lenders since they are less concerned with your credit and income and more focused on the equity in the property. In fact, I have private lenders that do not even consider income or credit that is why I can approve clients that have lost their job or going through consumer proposal and power of sale. Your equity determines how much you can borrow.

How Much Can I Borrow?

One advantage of second mortgages is that the amount you are approved to borrow is directly related to the amount of equity you have in your home not your credit or income. Thus with sufficient equity, you can borrow a large sum of money regardless of how much you earn, your current credit, consumer proposal or past bankruptcies.

How to Apply For a Second Mortgage

The process is really simple. First you fill out an easy application which takes only a few minutes. I will then shop your request through my extensive network of lenders to find you the most suitable financing. The lender will then provide you with the rate and terms in a commitment letter (in some instances, the lender will require an appraisal to establish your home value). I will guide you through the whole process to ensure an easy and smooth closing.

Easy and Simple

Why Choose My Services

Who are you calling? Ask yourself what happens if you just called RE/MAX or walked to their office to sell your home? Who would pick up the call? Would it be the best salesperson in the office? In fact the opposite is more likely. The chances are your call will be routed to the first person picking up the phone or you would meet those sitting around in the office because they don’t yet have enough experience/clients; and thus, you may not receive the level of service you had hoped for. Mortgages are no different. Therefore, it is absolutely critical to KNOW WHO WOULD BE WORKING ON YOUR FILE.

With access to OVER 500 PRIVATE LENDERS, I can approve mortgages that many other agents and brokers including those that specialize in bad credit and second mortgages cannot. I have built an extensive network of private lenders so that I can approve tough situations all around including in small towns and rural areas of Ontario.

Private mortgages are different from traditional mortgages in that it is up to each agent/broker to find his or her own source of private funds. Most agents have only a few lenders they use for every situation which results in high fees, rates and turn-downs due to the fact that not every lender is able to finance every area or type of property.

Since each applicant's situation is unique, I submit your request to the lender which can best serve your financial needs based on your location, type of property and LTV. This ensures that not only you receive the second mortgage funds you need on time but that you receive an outstanding service as well as low rates and fees. Contact me today to discuss your financing needs

Pay Off All High Interest Debts and Get a Fresh Start on Life

Take Back Control of Your Life - Substantially Lower Your Monthly Payments using a Low Rate Equity Loan

Current Mortgage Second Mortgage
Current Home Value $400,000 Current Home Value $400,000
$200,000 Existing 1st Mortgage = $1,163/month $200,000 Existing 1st Mortgage = $1,163/month
Before Taking Advantage of Home Equity $50,000 2nd Mortgage = $250/month
$20,000 Auto Loan @ 10.0% = $425/month Auto Loan = Paid
$20,000 Credit Card @ 18% = $600/month Credit Card Debt = Paid
$10,000 Store Card @ 28% = $300/month Store Card Debt = Paid
Total $2,488/month Total $1,413/month
You Save $1,075/month!!!