Case Studies
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Case Study: A B-Lender Second Mortgage That Consolidated Three Mortgages Plus Debts (Ottawa)
An Ottawa couple had three mortgages, cards and a car loan, but low credit blocked an A-lender refinance. How a B-lender second mortgage consolidated the high-rate debt and kept the good first.
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Case Study: A Private Second Mortgage for Newly Self-Employed Owners (Milton)
A newly self-employed Milton couple needed equity to repay family loans but were too new for stated-income lending. How a private second mortgage bridged the gap to a future refinance.
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Case Study: A 4-Year Private HELOC for Debt Consolidation (Mississauga)
A Mississauga couple needed to consolidate high-interest debt but had no one-year exit for a standard private mortgage. How a 4-year, fully open private HELOC fit their real timeline.
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Case Study: Clearing a CRA HST Lien With a Private Second Mortgage (Brampton)
A Brampton homeowner had a CRA HST lien but a closed first mortgage that couldn’t be broken. Here’s how a private second mortgage cleared the lien without touching the first — de-identified.