Project Options
Use existing home equity to cover renovations, consolidate debt, or fund large purchases.
Credit Friendly Options
Available to homeowners with varied credit backgrounds who need access to extra financing.
Flexible Loan Terms
Structured repayment plans that work alongside your first mortgage.
Quick Approval Process
Receive fast approvals so you can unlock the equity in your home without delay.
Already Have a Mortgage But Need Extra Funds?
Flexible Financing Through Second and Third Mortgages
Your home equity doesn’t stop at your first mortgage. Second and even third mortgages can offer the liquidity you need for renovations, business funding, debt consolidation, or investments—without refinancing your primary mortgage.
We’ll help you understand your options and structure a solution that works for your goals and budget.
Apply now and use your home’s value to unlock new opportunities.
Certified Team
Our professionals help you navigate layered mortgages with confidence and clarity.
Trusted Company
We’ve helped thousands of Canadians responsibly access second and third mortgage funds.
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Flexible Financing Options
Second and Third Mortgages Offer Another Path
Whether you’re not eligible for a refinance or want to keep your current low-rate mortgage, secondary mortgages offer a strategic solution. These loans work with your existing mortgage to give you access to the equity you’ve built.
Get the cash you need—without changing your first mortgage terms.
Apply now to get started with a second or third mortgage.
Frequently Asked Questions
A third mortgage is another loan taken after both the first and second. It’s based on remaining equity and higher lender risk.
Common uses include home renovations, debt consolidation, emergency funds, business startup capital, or investing in other properties.
Not always. We work with alternative lenders who can approve based on equity, not just credit score.
Typically, you can access up to 80% of your home’s appraised value (combined from all mortgages).
Yes, since secondary mortgages are riskier for lenders. But they can be short-term and interest-only in some cases.