Second mortgage approved

Fast approval & 24 HR funding
regardless of income or credit.

CALL 416-435-8340 TO SPEAK WITH US.

Get a second mortgage
approved in minutes!

Whether you need $25,000 or $2.5 million
Get a No-Nonsense and Fair Approach For a Second Mortgage

Whether you need
$25,000 or $2.5 million
Get a No-Nonsense & Fair
Approach For a Second Mortgage

We Help Homeowners

We have successfully helped homeowners get out of many sticky situations. Pay off your debts and lower your monthly payments! Declined by the banks last minute? Get approved today for a first or second mortgage by a Private Lender.

We Help Homeowners

We have successfully helped homeowners get out of many sticky situations. Pay off your debts and lower your monthly payments! Declined by the banks last minute? Get approved today for a first or second mortgage by a Private Lender.

How Is Your Second Mortgage Rate Determined?

“What’s the best rate I can get for a second mortgage?” This is the top question asked by borrowers shopping for a second mortgage or home equity loan. However, to understand why you’ve been quoted a certain rate, you need to understand how a lender comes up with the rate. What are they looking for? And why do rates differ so much from lender to lender? Watch this YouTube video to learn more.

How Do You Qualify For A Second Mortgage?

Unlike the banks, regardless of your income or credit, it’s your home equity that gets you approved. Your home equity is the value of your home less any mortgage balances owing.  Borrow up to 80% of the current value of your home for first mortgages, and up to 85% for second mortgages. Although good credit is not a requirement, it can help you get a better rate.

The main factor that private lenders consider is your property. They want to know the value of your property and if it’s highly marketable.

That being said, it is important to note that lenders tend to have a preference for specific geographic areas.  One lender may prefer to lend on rural properties, while another within major urban areas, like Toronto, Richmond Hill, or Newmarket.  So keep in mind, if you talk to a lender that doesn’t prefer your area, you may get quoted a higher rate. This is why it’s important to speak with a well connected mortgage brokerage.

Why Choose Us?

While many mortgage brokers offer second mortgages, finding the right solution and lender requires expertise and care! Hence, we offer unparalleled access to direct funds. Our vast network consists of private lenders, Mortgage Investment Corporations (MICs), and qualified investors. In addition, we take the time to understand your situation, challenges and goals, so that we can tailor a solution that’s right for your needs.

For urgent situations, funds can be received within 24 hours.  Examples of urgent situations are: stopping a power of sale, or a purchase financing falling through last minute.  Depending on the complexity of your situation, typical funding times range between 3-10 business days.

What Our Clients Are Saying

"At the 11th hour I met Victor, a true architect in finance. After dealing with 7 other agents, no one had the expertise like Victor. A calm, punctual, and well spoken caring character, he explained his every step.  He knew exactly how to save my home… with his friendliness, straight talk and amazing energetic voice, won over the lender and myself.  I have a great appreciation for him. Many, many thanks Victor!"

Tova A.

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Vaughan

"Victor is a true professional!  Not only is he knowledgeable and very thorough in his search for the ideal mortgage, but he treats every client of mine with kindness and understanding.  This definitely helps take the stress out of the process of financing. I highly recommend him to my colleagues."

Joanne

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Newmarket

"After reaching a frustrating dead end with my previous mortgage specialist,  I reached out to Victor for help.  Not only did he find a solution for my client, but I learned how to avoid that situation for future clients.  Thank you! You have been an absolute game changer on the way I do business!"

Alex

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Aurora

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Get approved today regardless of income or credit. Receive funds within 24 hours!