We are TRUE in-house private money lenders. We are committed to providing you with the best solutions available to help fund your next real estate project.
Get StartedThe excitement of getting approved for a mortgage can bring out the inner child. We work with you on getting approved for a second mortgage.
Do you own your home and need extra cash quickly to pay off debt, renovate, buy a new car, start a business, consolidate debt, tuition, pay CRA, property taxes, etc.? Yes! Then you need a second mortgage. You do not have to break the first mortgage and funds are available quickly.
Looking to purchase a home/condo, investment property, flip a condo/house, or a bridge loan? Do you have a low/bad credit score and low income? Yes! You need either a first or second mortgage from a private lender, as lending is based on equity in home.
Are you purchasing your second or third home/condo and no longer qualify for a mortgage because your debt ratios are too high? Yes! You need either a first or second mortgage from a private lender, as lending is based on equity in home.
Has your current lender or bank declined your application on your closing date? Yes! You need either a first or second mortgage from a private lender, as funding is available as soon as possible.
Are you purchasing or refinancing a condo or home? Have an amazing credit score and a high income? Yes! Depending on how great your credit score is and type of income you need either an "A" or "B" lender.
Use a second mortgage to quickly pay off high interest debts, renovate your house, buy a new car, start a business, expand a business, consolidate debt, pay off tuition, pay Revenue Canada (CRA), pay property taxes, or for extra cash.
Renovations?No problem.Approved!
You don't have to break the first mortgage and funds are available quickly. Low or bad credit score, self-employed, and low income is not a problem. Funding is based on the property, location, and the equity in your home.
Get Started TodayA second mortgage works by adding an additional mortgage after the first. Here's how simple the process is:
Reach out and tell us about your property and situation.
We review and approve your application — fast, in-house decisions.
You get your money quickly with no unnecessary delays.
Qualifying and interest rate is dependent on many factors. The major factor is based on the LTV (loan to value) — the amount of equity in your home. Other factors such as location, credit score, current market conditions, and term may be considered. Everyone's home is different and has a unique value. Contacting us is the first step.
Lenders, brokers, and agents use creative terms to talk about second mortgages, which can make it difficult to compare offers. No matter the term used, the product offered is the same. Common names include:
Why Bubzey
From first call to closing, every step happens under one roof. No middlemen, no surprises—just dependable capital and a team that knows your deal.
We fund our own loans, so the answer you get is the answer that counts.
Loan structures built around your project, not a rigid checklist.
Decades of combined experience financing real estate investors.
Every situation is unique and getting a Second Mortgage is not limited to these examples. Each situation is different and they all have benefited from either a Second Mortgage or a Private First Mortgage. Your situation may be different or possibly similar — the best place to start is to contact us.
A successful business was unable to keep up with demand. The majority of their customers were on Net 30 or Net 15 terms, tying up the business's cash flow until payments arrived. To bridge the gap between buying new stock and shipping orders, they secured a Second Mortgage. Since then, they have expanded significantly and now maintain over $300,000 in inventory at all times.
An emergency required Mr. Singh to leave the country immediately. Short on funds, he tried to sell his rental property — but the buyer was declined by their bank and the sale fell through. Unable to sell in a declining market, he turned to a Second Mortgage and received the funds within 4 days. No forced below-market sale, no lengthy refinance wait, no penalties.
Mr. Williams was watching house prices rise rapidly but faced a $50,000+ penalty to break his existing mortgage. Using a Second Mortgage, he purchased an investment property without breaking his first mortgage, made a cash offer, and beat out competing bids. When his mortgage came up for renewal, he refinanced both into one — ultimately saving over $175,000.
Mrs. Lee was caught mid-transaction by Canada's new mortgage stress test. Declined by both her A lender and B lender on closing day, with the builder refusing further extensions, a Private First Mortgage closed the deal within a week. This prevented over $215,000 in potential damages, protected her 20% deposit, and she later sold the property at a strong profit.
These are just a few examples of how we have helped clients navigate unique financial situations. Your circumstances may be entirely different — reach out and let us find a solution tailored to you.
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