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What is Second Mortgage in Ontario and What Do You Need To Know?

Some homeowners are in debt and would sometimes run out of options on how to pay for these debts. The great news actually is - using one of our home equity products can save their home, relieve themselves from the unending stress of debt management and ultimately eliminate debt altogether.

Know more about us and what we can do by clicking on the button below…

You're not alone

Helped with $ 27,000 $ 41,500 $ 35,000 $ 17,000 $ 23,500 $ 46,340 $ 21,000 $ 35,000 $ 26,700 $ 65,500 $ 57,400 $ 17,500 $ 75,500 $ 63,000 $ 35,000 $ 18,500 $ 55,000 $ 85,500 $ 43,000 $ 29,500 $ 27,800 $ 41,200 $ 35,800 $ 85,000 in debt

1 day 3 days 3 days 8 days 7 days 6 days 12 days 9 days 3 days 6 days 1 day 4 days 2 days 1 day 7 days 5 days 8 days 6 days 12 days 16 days 5 days 8 days 2 days 7 days ago in debt in

Orillia Huntsville Peterborough Toronto Brampton Kitchener Mississauga Hamilton Belleville Kingston Cornwall Oshawa Ajax St. Catharines London Sarnia Windsor Sault Ste. Marie Elliot Lake Sudbury North Bay Timmins Thunder Bay Ottawa

2nd mortgage

While there are other loan options that could answer your immediate need for cash, they would require an endless litany of documentation that would cost more to obtain than the amount you would actually need. There is also the little question that revolves around the collateral to secure your obligation. If you happen to be a homeowner, and you owned your home for at least 2 years – you are qualified to apply for this easy and based on equity (not credit or income) program.

63% of Canadians bought or refinanced their home since COVID began.

If you owned your home for more than 3 years, there is a 90% chance you will qualify for one of our programs.

What is a Second Mortgage in Ontario?

Second Mortgage in Ontario homeowners involves a second loan that you take out on your home. It is referred to as a second mortgage because it would be second in priority should you choose to refinance your home, The first mortgage would remain first priority, hence the need for a sequential number for your mortgages.

However, this does not mean that you can expect the same amount of cash you had from your first mortgage. The amount that you can borrow through your second mortgage is computed with certain factors so you would have to think carefully if you intend to have a second mortgage in Ontario on your home. Your home equity is now the collateral for your second mortgage, and here, you have to not only pay off your second mortgage but also your first mortgage at the same time.

Second Mortgage

What You Need to Know?

There lies the biggest danger, if you fail to meet your obligations, you stand to lose your home, as it would be sold to pay off your first and second mortgages. You can expect the interest rates to be higher for a second mortgage in Ontario, as lenders consider the second mortgage in Ontario a greater risk. There are other fees to consider as well.

Why Consider a Second Mortgage?

Though this program can be risky, it is still a viable option especially if you are determined to eliminate your debts.

If you are:

  • Need cash?
  • Pay off debts on high interest
  • Behind on 1 or more mortgage payments
  • Missing payments on your other debts like credit cards, taxes, line of credit, etc
  • Paying the only minimum on your other debts like credit cards, taxes, line of credit, etc



  • Quick and Easy – Access the equity in your home within 24 hours.
  • Viable Option to Save Your Home (DO NOT SELL)
  • Consolidate debt from high-interest credit cards and other unsecured loans easily.

What Are Your Options

While this program is a great option, it is very important that you choose the right company that can help you identify your options and get you the right lender to facilitate the entire process hassle-free.

Canadians are using home equity to pay off their debts – and you can be one of the many happy Canadians who are now stress-free and debt-free.

National Debt Relief is a reputable company offering a quick, easy and reliable way to apply for a second mortgage in Ontario.

Canada Home Mortgage

Why Should Ontario Homeowners Consider National Debt Relief?

  • Over 800 reviews on Google
  • Fast and efficient program
  • Guarantee Clause: “If our clients don’t save their home, stop debt, and feel better, we refund them. And to make it right for wasting their time, we add $500 back if you are not completely satisfied”
  • Top company helping homeowners retain their homes and pay off all their debts to eradicate high interests, fees, and penalties.

Our Clients 5-Star Reviews

Simerpreet Ghataura
Simerpreet Ghataura
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I really want to thanks Suma Mathew(financial director) for helping me step by step from how to apply for program to till the very last step. This program helped me to get my life back on track.
Sami Simo
Sami Simo
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Suma Mathew is the best she kept following up with me until make sure I’m doing good and she advised me nicely and made me feel free and not guilty and she stood by my side and figure a way to get rid off my debt she is amazing, made me speechless. She is a garden angel !.
Rainy Lake Sports
Rainy Lake Sports
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5 stars to jennie gerigs for the best customer service and understanding. Very happy with all she has done for me.. thanks Jennie

Top 5 Key Benefits of our Ontario Debt Relief Program:

To know more what you can benefit from our Ontario Debt Relief Program, simply try our Debt Consolidation Calculator below and one of our debt specialists will get in touch with you and provide you the best debt relief option that fits your situation.

Do you want to experience Peace of Mind from all of these?

  • Credit Card Debts
  • Personal Loans
  • Car Loans
  • Taxes
  • HST
  • 407
  • Household Bills
  • Payday Loans
  • Student Loan
  • and more…

Talk to us! We will help you get out of debt.


We will help you reduce as much as 75% of your debts and consolidate it into a single affordable monthly payment. Your creditors will stop harassing you and all interest will freeze if you get into our Ontario Government Debt Relief Program.

Many Ontarians are already benefiting from our Debt Relief Program, YOU should too!

Find out how much you can write off portion of your debts by getting your Free Savings Estimate below. A debt specialist from National Debt Relief Services in Ontario will discuss all options and provide you tailor-fitted Debt Relief Program.

We will help you compare
the options and savings of all formal debt relief programs available to you.


No contact details required to find out if you qualify

Frequently Asked Questions

A Debt Consolidation is a negotiated debt settlement offer made between you and your creditors with the help of a Debt Relief Agency in Ontario. Some key benefits of Debt Consolidation are interest-free program, no upfront fee required, combined monthly payment into one affordable amount, no lawsuits, and many more.

Yes, your assets are safe from creditors. A licensed debt relief agency in Ontario will help you come up with an offer to your creditors that will make sure your assets will be out of the paper.

No, in fact, this is one of the great advantages of a Debt Consolidation Program. All wage garnishment will stop from the day you filed the proposal.

The effect on your credit score is not going to be severe. Your credit score will most probably go to R7 Rating and will remain in your credit report for another 3 years after you completed the program. This means that it will not be permanent and you will still be able to rebuild your credit score.


This varies depending on the proposal you will be discussing with the help of a certified debt relief agency. It is also worth noting that debt consolidation cannot exceed more than 5 years.

If a debt is shared, you need to file a joint debt consolidation offer to your creditors. However, in most cases, in which the debts are individually incurred will have no impact on your spouse.

After three missed payments, your debt arrangement with creditors will be broken and you will end up getting chased again for the original debt amount plus interest.

A debt consolidation offer can be paid off earlier if you can. In this way, you receive your “Certificate of Completion” sooner and you can immediately start rebuilding your credit score. 

National Debt Relief Services Ontariois a certified Canadian Debt Relief Agency that offers FREE CONSULTATION to your debt consolidation needs. We value the trust given to us by our clients by making sure your personal information is confidential and private. Our personalized plans are designed to tailor fit your financial capacity. Our specialists will get in touch with you by simply answering a few questions thru the link provided below.

Why Trust National Debt Relief Services?

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See What Our Customers Have To Say

Dawn Friesman
Dawn Friesman
I've been working with Allicia Macdonald shes very professional and sweet. I cant thank her enough for helping me rebuild my life. Thank you so much.
Chantal Rolfe
Chantal Rolfe
Today I had a wonderful experience with Rachael, she was Very professional I was very happy with what we talked about today she was very Caring I highly recommend national debt relief services hundred percent😃
Jennifer Magill
Jennifer Magill
Brittany was awesome, she explained everything clearly and offered solutions every step of the way. It’s always nice to hear that you could do this or that, I didn’t feel forced to do anything and was able to decide clearly. Thank you 🙏🏼
Dave Tonnos
Dave Tonnos
This company will work with you and through any difficulties that may arise. They actually hold themselves accountable, how refreshing during troubling economic times.
marian kamara
marian kamara
I have a great experience working with Suma, she work me through the program, takes her time to explain everything to me about how the program work, what I need to do from start to end of the process. I’m so thankful to God for sending an angel Suma to help relief my debt. It’s a great company to work with. I will recommend this program for anyone in debt like me.
Donna Hutchings
Donna Hutchings
Connie B. was absolutely awesome! She explained everything in detail to me. Very professional to work with and takes the time with you. She really has compassion. So glad she helped me out. Thank you
lynn collins
lynn collins
Joel has made this so simple and effortless he made sure i was well informed and making the right decisions for my situation i would recommend joel at national dept Relief to anyone in hardship with there bills thanks alot joel i really appreciate everything you have done for me thanks!! 5 stars for sure! and its chad ball not my mom lynn lol
Billy Bong
Billy Bong
I had a great experience with Brittany, so helpful and understanding. Never felt like I was being pressured or rushed into anything. She was always there with answers to my questions. Thanks for all the help and peace of mind you helped me achieve.
Amber-lyn Miller
Amber-lyn Miller
Let’s Just Put It Simple....... Not All Hero's Wear Caps........I spoke with Suma over a fairly lengthy period of time because of my busy schedule and lack of free time on my part, and she was not only extremely patient and understanding, but also beyond helpful And informative. Any question I had and no matter how many times she had to explain it to me she took her time to make sure I completely understood every single step and process before she moved on to the next thing. I have been so stressed out and worked up about my debt and trying to figure out how to fix it all since I know I will not be returning to work at all in the future because of medical issues and being 26 with that realization makes things just that more stressful but Suma made everything so easy and my payments are $100 a month for less then 5 years with no interest or penalties for early pay off. I’m so glad that I didn’t settle with some other place that was asking for $350 + a month for 7-12 years and paying off early would cost you more.
Jessica Preston
Jessica Preston
Caroline F. was phenomenal, she was so helpful, understanding and compassionate. Caroline did not make me feel bad for my mistakes, she was supportive and caring, she helped me through this dark time in my life I'm so incredibly happy I crossed paths with her. Thank you Caroline for being so wonderful to me! <3

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