Second Mortgages
Tap Into Your Equity
Access your Ontario home's equity without breaking your existing first mortgage. Lez Gomez arranges second mortgages for renovations, investments, debt payoff, or any purpose. Keep your low first mortgage rate while unlocking additional funds across Toronto, Mississauga, Hamilton, Ottawa, and all Ontario communities.
Benefits of Working With Us
Lez Gomez provides expert mortgage solutions tailored to your unique situation across Ontario.
Keep Your First Mortgage Rate
If you have a great rate on your first mortgage, breaking it to refinance can be costly. Lez Gomez arranges second mortgages that let Ontario homeowners in Toronto, Mississauga, Hamilton, and beyond keep their existing terms while accessing additional equity.
Access Substantial Equity
Borrow up to 90% of your property's value (combined with your first mortgage). Lez Gomez helps Ontario homeowners in Brampton, Vaughan, Oakville, Barrie, and province-wide access tens or hundreds of thousands in equity.
Any Purpose Accepted
Home renovations, investment opportunities, business funding, education, debt consolidation, or emergencies. Lez Gomez places no restrictions on how you use your second mortgage equity across Ontario.
Flexible Lender Options
A-lenders, B-lenders, credit unions, and private lenders all offer second mortgages. Lez Gomez matches Ontario homeowners with the best fit based on credit, income, and equity from Kitchener to Kingston and everywhere between.
Fast Funding Available
Need funds urgently? Lez Gomez can arrange private second mortgages for Ontario homeowners in as little as 48 hours. We understand that opportunities and emergencies don't wait.
Transparent Cost Analysis
Lez Gomez provides a complete breakdown of second mortgage costs including rate, fees, and total borrowing cost so Ontario homeowners make fully informed decisions.
Your Path to Approval
Lez Gomez makes the mortgage process seamless from application to closing.
Equity Assessment
Call Lez Gomez at 416-723-1313. We estimate your Ontario property's current value and calculate how much second mortgage equity you can access based on your first mortgage balance.
Lender Selection
Lez Gomez identifies the optimal second mortgage lender for your credit, income, and equity position. We compare rates and terms from institutional and private sources across Ontario.
Appraisal & Approval
We coordinate the property appraisal and manage all lender requirements. Lez Gomez ensures a smooth approval process for Ontario second mortgage applicants.
Funds Released
Your second mortgage is registered behind your first mortgage and funds are released. Lez Gomez manages the legal coordination for a seamless Ontario closing experience.
Do You Qualify?
Lez Gomez works with 50+ lenders across Ontario to find solutions even when banks say no. Here are the typical requirements:
Own a property in Ontario with sufficient equity above your first mortgage
Combined loan-to-value (first + second mortgage) up to 90% depending on lender
Income to support payments on both first and second mortgage
Credit score of 550+ for institutional second mortgages (lower for private)
Property types: residential, multi-unit, some commercial
All Ontario communities served - Toronto, GTA, and province-wide
Self-employed, commissioned, and seasonal income considered
Lez Gomez has options even if your first mortgage lender declined a second
Ready to Get Started?
Speak with Lez Gomez today for a free consultation and personalized mortgage solution.
Common Questions
What is the difference between a second mortgage and refinancing?
What are second mortgage rates in Ontario?
How much can I borrow with a second mortgage in Ontario?
Can I get a second mortgage with bad credit?
Do I need my first mortgage lender's permission?
Lez Gomez: Ontario's Second Mortgage Expert
Lez Gomez provides expert second mortgage services across every Ontario community. With access to institutional B-lenders, credit unions, and private lenders, we help homeowners access their property equity without disturbing their existing first mortgage. This is particularly valuable for Ontario homeowners in Toronto, Mississauga, Brampton, Vaughan, Richmond Hill, Markham, Oakville, Burlington, Hamilton, and across the province who secured low rates on their first mortgage and don't want to break it. Lez Gomez negotiates the best second mortgage rates available, provides transparent cost analysis, and manages the entire process from application through funding.
Second mortgages are versatile financial tools used by Ontario homeowners for home renovations, investment property purchases, business funding, education expenses, debt consolidation, and emergency funding. Lez Gomez has arranged second mortgages on properties across the province - from downtown Toronto condos to suburban homes in Ajax, Pickering, Whitby, Oshawa, Newmarket, Aurora, and Stouffville, to properties in Barrie, Orillia, Collingwood, Kitchener, Waterloo, Cambridge, Guelph, London, Kingston, Ottawa, Peterborough, Brantford, St. Catharines, Niagara Falls, Sudbury, and beyond. As a FSRA-licensed mortgage agent with a 5-star Google rating, Lez Gomez is committed to finding the most cost-effective equity access solution for every Ontario client. Contact us at 416-723-1313.
Lez Gomez Serves All of Ontario
As a licensed Ontario mortgage agent, Lez Gomez provides second mortgages services across every city and town in the province:
Greater Toronto Area
Hamilton, Niagara & Southwestern Ontario
Eastern Ontario
Central & Northern Ontario
All Other Ontario Communities
Other Mortgage Solutions by Lez Gomez
Ready to Secure Your Mortgage?
Lez Gomez is ready to help you find the perfect mortgage solution. Get a free consultation today.