Want me to personally review your mortgage situation? Drop your info below and I'll call you within a few hours. No pressure, just expert guidance.
Need access to cash? A second mortgage lets you unlock your home equity fast — 90% of clients get approved even with bruised or imperfect credit.
Takes 30 seconds. No credit check required.
A second mortgage lets you borrow against the equity you have built in your home, without disturbing your existing first mortgage. Whether you need funds for debt consolidation, home renovations, unexpected expenses, or an investment opportunity, Mortgagefy connects you with the right lender — even with bruised or imperfect credit.
A second mortgage is a loan secured against your property that sits behind your primary mortgage. Because it is backed by real estate equity, lenders can approve clients who may not qualify for traditional unsecured loans or lines of credit.
Our team reviews your current mortgage balance, property value, and financial goals. We then match you with a private or alternative lender from our network of 100+ partners. Most second mortgage clients receive a term sheet within one business day.
90% of our second mortgage clients used their equity to consolidate debt and reduce their monthly payments.
📚 Further Reading: Second Mortgage Ontario: How to Access Your Home Equity in 2025 — a full guide to how second mortgages work, rates, qualification, and approval timelines
Licensed professionals. Response within 2 hours.
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Tell us about your situation. We review your needs, goals, and financial picture — quick and confidential.
We compare rates and terms from our network of banks, credit unions, B-lenders, and private lenders to find your best match.
Once you choose your best option, we handle the paperwork and guide you through to funding — fast and stress-free.
Fully licensed and regulated in Ontario. Your interests are legally protected.
Clear terms, honest guidance, and a dedicated agent working to get you the best deal.
Pre-approvals in 24 hours. Private lender funding in as little as 48 hours when time is critical.
We shop your application across banks, credit unions, B-lenders, and private lenders Canada-wide.
I needed $80,000 fast to cover a business opportunity. Mortgagefy arranged a second mortgage in under two weeks with a private lender. The rate was fair and the process was transparent.
My credit was not great but I had equity in my home. Mortgagefy got me a second mortgage that let me pay off all my high-interest debts and start fresh.
Get a personalized rate quote in under 60 seconds. No hard credit check required.
Fully licensed, operating under 8Twelve Mortgage Corporation (Lic#13072).
Access to Canada's largest network of banks, credit unions, B-lenders, and private lenders.
Get a response within 2 business hours. Many approvals within 24-48 hours.
Expert guidance with zero pressure. We work for you, not the banks.
A licensed mortgage agent will personally review your situation and call you back within 2 hours. No pressure, just expert guidance.
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Mortgage services provided by 8Twelve Mortgage Corporation, licensed mortgage brokerage (Lic#13072).
Have questions about your mortgage options? Book a quick call with a licensed agent — no pressure, no obligation.
