Second Mortgages

Get the equity in your home to work for you without refinancing.

Taking out a Second Mortgage on your home

A second mortgage is an option available to homeowners in certain situations that are looking to avoid refinancing. Second mortgages allow you access to the equity in your home without having to refinance and take out a home equity line of credit (HELOC), where your home is considered collateral and have typically higher rates. Most second mortgages are open and can resolve many issues in the most efficient way.

Compared to a person’s primary mortgage, a second mortgage will have a higher rate. On the other hand, the rate of a second mortgage will usually be lower than those associated with credit cards or personal loans, so if consolidating debt is a priority, this may be a route worth exploring.

Our team of agents are mortgage specialists and licensed financial professionals that will work on your behalf to find the best fit for your needs. We will give you the information you need to confidently decide if a second mortgage is right for you. Then we will give you the help you need to find the perfect second mortgage for your situation.

We believe that keeping you informed and involved throughout the process is key in maintaining a healthy relationship between you, the mortgage lender, and ourselves.

We provide a non-judgmental environment for you to feel secure in discussing finances and will always take your concerns and needs into consideration.

Arranging a second mortgage is a decision that must be thought through carefully. Get in touch with one of our associates to discuss your situation before taking on a refinance. We would be happy to guide and advise you along the way.

Contact Us

The Graeme Moss Solution

If you have a difficult situation that requires private financing, don’t give up! There may be a solution for you.
Contact us today for a free, confidential review of your situation. We are here to help.

People we’ve helped.

  • I first met Graeme over the phone when we were living in Hamilton and finding it difficult to make our payments. He was so helpful and we knew he genuinely wanted for us to be successful. Ever since, we have gone to him when purchasing a new home or refinancing because we trust him and we know he cares. He always goes above and beyond to help us when we need it. We went from struggling to make payments to living in our dream home in a few short years.  I truly believe that it is because of his knowledge and passion for helping people build their futures that we are where we are today. Thank you, Graeme!!

    M. V. Hamilton, ON
  • Thank you Graeme, for everything you did to help us with our mortgage, for your patience with my questions and professionalism. We truly appreciate yours and Deborah’s efforts on our behalf.  We’ll be sure to recommend you to anyone we know who needs help like we did. Thanks so much for everything.

    J. M. Hamilton ON
  • Graeme Moss has provided stellar customer service and was a key player in ensuring due diligence. It was both a pleasure & very professional dealing with Graeme when I turned to Fair Mortgage Solutions seeking an interim solution.  He, once again was very accurate in advising me, he is not a lawyer. What prompted me to negotiate the legal fees was associated to why this crucial “matter” between legal departments was not finalized in 2017.  Moving forward, Graeme’s diligence directed me immediately to the right department. Your department honoured negotiating and we established completion of the task at hand, the Discharge of the MTG. Thank you!

    K. W. Burlington, ON
  • We refer clients to Graeme who are either having serious financial issues, or are recovering from a bankruptcy or proposal filing. They are challenging situations. I can count on Graeme to treat people with compassion and respect. I trust that if there is a mortgage solution to be found, Graeme will make it happen. He truly cares about people and helps them to succeed.

    Christine Zuk President, Vine and Williams Inc.
  • You and your team are awesome. You truly care and you saved my life. Thank you.

  • This is great. We were so worried. Hearing how others helped who were in a similar situation. This is a godsend. We appreciate the roadmap. Glad it is within 3 days. The advice free, can’t go wrong.

    H.H Mississauga
  • My wife and I were stunned at the speed you got this done. The fee was very low. We are thrilled. Thank you for your help!

    D.H. St. Catharines
  • You guys are friggin awesome! We feel so happy. Thank you so much.

    S.R. Oshawa
  • You have been a godsend. An absolute godsend. I can finally sleep at night. My children thank you. We have 6 options instead of being forced what to do.

    L.E. Mississauga
  • I'm a first time home buyer and had a very positive experience working with Graeme Moss, he gave good advice and made the process very easy.