Refinance or add a 2nd mortgage to free up cash — for a project, an emergency or to consolidate — without touching your primary loan if you’d rather not.
No obligation · 100% confidential · Law 25
Private-mortgage eligibility rests first on your property’s equity. We confirm it in a free 15-minute call, with no credit impact.
Tap the equity you’ve built in your property, as a 1st or 2nd mortgage.
A 2nd mortgage lets you keep your current rate untouched.
Your asset matters more than your score or declared income.
15 minutes to understand your situation and property. No credit impact.
We confirm value and available equity, then present your options in writing.
Rate, fees and term clearly set. No surprises, no hidden costs.
Signing at the notary and funds released — in as little as 5 business days.
No. A 2nd mortgage frees up cash without touching your 1st, letting you keep your current rate untouched.
Renovations, debt consolidation, investing, an emergency, business cash flow — your call.
Up to 75% of value, as a 1st or 2nd mortgage. For example, a $500,000 property allows up to $375,000 in total financing.
Indicative rates are about 12% on a 1st and 15% on a 2nd mortgage, plus a 2–5% lender fee and notary fees. Everything is disclosed in writing before signing.
Our first assessment has no credit impact. It’s your property’s equity that matters most, not your score.
Often yes, depending on remaining equity. We assess your combined position and recommend the most advantageous structure.
It’s usually a transitional solution. We build an exit strategy to move you back to conventional financing as soon as your situation allows.
Talk to a Vortex specialist. An honest answer, no credit impact, no obligation.
