Simply put...

No one should be under constant stress. If you have current mortgages, or taxes in arrears, our experts can provide relief from financial burden.

When you are behind on your mortgage payments, the sooner you act the better. One option is taking out a second mortgage, which can raise some cash to pay other debts. Another is taking out an equity loan, which gives you better rates than personal loans and credit cards. can help you secure a second mortgage or home equity loan in Toronto, Brampton, Mississauga, Barrie, Etobicoke, Vaughan, and nearby locations.

We can help relieve stress if you...

  • Have fallen behind on bills

  • Want to get caught up with your mortgage payments

  • Need to pay off your income taxes in arrears

  • Are looking for home equity loan solutions

  • Have been considering refinancing

  • And much more!

Why you need to solve financial problems using a professional

Missing a mortgage and property tax arrears payment can lead to a number of serious repercussions: it negatively impacts your credit score, while if you get extremely behind on mortgage payments you could end up losing the roof over your head.

While we can help resolve your problems, you should be transparent with your current mortgage lender to assure them that you’re going to get out of the red.

You don’t want to bury your head in the sand until a lender repossesses your home. Getting on the ladder isn’t easy, so you don’t want to fall off again!

We offer personalized home equity loans, to help fix your late payments

If you’re dealing with skipped mortgage payments and/or are in arrears with property taxes, now might be the perfect time to consider refinancing your home with a second mortgage in Toronto or other nearby areas in Ontario. Tapping into your current home equity not only helps pay off current bills, but it can also be used for home improvements, investments, or anything else.

In addition to helping you deal with your current mortgage lenders and helping you get caught up on missed mortgage payments and tax arrears, your agent is committed to helping you achieve your long-term financial goals by answering questions and providing financial advice.

At, we have been successfully helping clients who have fallen behind on their mortgages and property tax payments with developing sound financial solutions. The licensed independent mortgage agents at will talk through your options to get you back on the straight and narrow.

Calculate how much you can save

We get your payments back on track!

At, it doesn’t matter if you’re one, two, or three or more months behind on your mortgage payments. Our loan specialists will meet with you and help create a tailor-made mortgage refinancing solution that best suits your financial situation.

When it comes to getting caught up on monthly mortgage payments and property taxes, time is of the essence. Therefore, your mortgage agent will work hard to get your home equity loan or refinancing approved in just 24 hours. It’s a financial solution that not only addresses more than just your short-term obligations but one that also meets your long-term goals.

At we are dedicated to 5 star customer service. Get in touch with us and a lending specialist will help set up an appointment for a free personal consultation. We will help you review your mortgage options and find the solution that fits your needs!

Frequently asked questions

  • What happens if your mortgage is in arrears?

    If your mortgage is in arrears, this can have a negative impact on your credit score. As well, if your mortgage is in arrears, your lender may either foreclose on your house (meaning they will sue you for both possession of the property and payment of your debt), or they may force you to sell it.

  • Can I get a mortgage owing back taxes?

    Yes, you can still qualify for a second mortgage even if you owe back taxes on your home.

  • What happens when you don't pay your property taxes in Ontario?

    If you don't pay your property taxes in Ontario, the first step your city will take is to charge you interest on your unpaid taxes. If you continue not to pay them and do not work out a payment plan with the city you live in, your municipality can seize your property and sell it to recoup the taxes.

  • What happens if house taxes are not paid?

    If you do not pay your house taxes, your local government's first step is to apply interest and penalties to your tax bill to motivate you to pay. After that, they will register a tax lien on your home. Finally, if you continue not to pay, your city or town will attempt to foreclose on your property.

  • How can I clear my mortgage arrears?

    If you are looking to clear your mortgage arrears, we offer two great options to help you. We can provide you with a second mortgage, which will help you raise cash to pay off your mortgage arrears. We can also offer you an equity loan, giving you quick access to cash at a better rate than personal loans and credit cards.

  • Why are mortgages paid in arrears?

    Mortgage payments are paid after the fact, also known as arrears, because interest must actually accrue before it becomes due. So when you make your mortgage payment at the end of each month, you are paying both the principal and the interest accrued during the month.

  • Does owing taxes affect mortgage approval Canada?

    Yes, owing income tax can affect your ability to get approved for a mortgage - particularly if you want to qualify for a self-employed mortgage.

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