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Second Mortgage
Second Mortgage
Second Mortgage Solutions
Unlock Your Home's Hidden Cash Power
Your Home = Your ATM (But Smarter)
Toronto home values have skyrocketed. Your equity has grown. Now it's time to put that wealth to work.
A second mortgage lets you access up to 80% of your home equity at rates far below credit cards or personal loans. Whether you're renovating, investing, or consolidating debt – your home's value becomes your financial superpower.
🏠 How Second Mortgages Work
Simple Math, Powerful Results
Your home equity = Home value - Outstanding mortgage
That's nearly half a million in accessible cash – at mortgage rates, not credit card rates.
💰 Why Second Mortgages Beat the Alternatives
Winner: Second Mortgage for large amounts without breaking your current mortgage
🎯 Perfect Second Mortgage Scenarios
💡 Smart Money Moves
Home Renovations ($50K-$200K projects)
Investment Property Down Payment (20% down on rental property)
Debt Consolidation (eliminate 19%+ credit card debt)
Business Investment (tax-deductible in many cases*)
Education Funding (kids' university, professional development)
🚨 Toronto Market Advantage
With home values up 15-25% annually, your equity grows while you borrow. Your asset appreciates faster than your debt accumulates.
"I needed $180,000 to finish our basement and add a home office, but refinancing would have cost me $25,000 in penalties. Your Rate Guy found a second mortgage at 8.5% - way better than the 22% my credit cards were charging. The whole process took just 3 weeks, and now we have the perfect workspace plus a rental suite that pays for itself. Best financial decision I've made."
– David C. Small Business Owner, North York
"Use Your House To Help Pay Your Bills"
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647-241-6652
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Dan Mizrahi
Mortgage Broker
Choice Financial Corp. #13564
Independently owned and operated
Licensed in
Ontario FSRA #13564
Alberta RECA
CF Choice Financial Corp:
BC: BCFSA #MB605782
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