Residential Second Mortgages
Unlock your home’s equity with
Highland Creek Trading
residential second mortgages
At Easy Second Loans Highland, we provide fast, flexible second mortgage solutions for homeowners who can’t secure conventional bank financing. Whether you’re self-employed, have impaired credit, insufficient verifiable income, or need rush funding, we focus on your home’s equity to create a mortgage solution that works.
We serve homeowners across Ontario, from Toronto condos to single-family homes in the Greater Toronto Area and Southwestern Ontario. Our private lending partners look beyond credit scores and missed payments, offering competitive rates starting at 7.99% and up to 80% Loan-to-Value (LTV).
Specializing in Jumbo Loans:
We excel at financing high-value residential properties, offering second mortgages up to $5 million—amounts traditional banks often won’t touch. Whether you’re consolidating debt, funding renovations, or tackling a unique financial situation, we deliver stress-free solutions with no upfront fees.
Broker-Friendly Solutions:
We partner with mortgage brokers to provide alternative financing for clients who don’t fit traditional lending criteria. We protect your fees, offer full transparency, and deliver the best rates for your clients’ residential needs.
Our streamlined process ensures approvals in 24-48 hours and funding in as little as 3-5 days—faster than any bank. At Easy Second Loans Highland, we’re committed to simplifying your financing with a quick “yes” or an honest “no.”
Residential Lending Criteria
Second Mortgage Criteria
- Loan Amounts:
$100,000 to $5,000,000 - Security:
Urban single-family homes and condominiums in Ontario (cities with 50,000+ population) - Loan to Value:
Up to 75%-80% LTV
- Interest Rates:
Second Mortgages: Starting at 9.99%, 6-month to 2-year terms - Lender Fee:
1.5%-2% (plus any broker fees) - Term:
Typically 12 months, fully open, with option to extend for an additional 12 months - Lending Areas:
Ontario (Greater Toronto Area, Southwestern Ontario, major cities)
Why Choose Easy Second Loans Highland?
- Equity-based lending decisions, not credit scores
- Interest-only payments for affordability
- No minimum credit score requirements
- No GDS/TDS ratios needed
- Flexible repayment options
- Acquisition and refinancing available
- Higher LTVs than traditional banks
- Quick closings (3-5 days)
- Case-by-case appraisal waivers
- Non-resident applicants welcome
- Interest reserves and non-recourse loans available
Why Private Leadig for Your Home?
Traditional banks often impose rigid requirements, leaving many homeowners without options. Easy Second Loans Highland partners with private lenders to offer flexible second mortgages tailored to your unique situation, including:
Self-Employed Borrowers:
No need for extensive income documentation.
Impaired Credit:
We focus on your home’s equity, not your credit history.
Complex Collateral:
Solutions for mixed assets or properties across Ontario.
Jumbo Loans:
Financing for high-value properties up to $5 million.
Rush Funding:
Close in 3-5 days for time-sensitive needs.