Second Rank Mortgage

Access additional funds by leveraging the equity in your home.
See if you qualify for a Capital Express loan in just 2 minutes!
Use: Equity Release, Debt Consolidation
Rate: 12.00%-14.99%
Debt Consolidation
Overview
Benefits
Technical Info
Case Study
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Introduction
Put the Equity in Your Home to Work with a Second Rank Mortgage
Capital Express offers Second Rank Mortgages to help you access additional funds using the equity in your home, even if you face challenges with traditional lenders.
Benefits
Benefits Made Simple
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Access to Funds
Use the equity in your home to secure additional financing.
Flexible Terms
Customize the loan terms to fit your financial situation.
Quick Approval
Fast and efficient processing to access funds when needed.
Understanding Our Second Rank Mortgage Terms
Rate
12.00%-14.99%
Terms
3-18 months
Loan Amount
$50,000 - $3,000,000
Fees
2%-4% lender’s fees
Time to Close
5 days
See Second Rank Mortgage Requirements
Multi-Family Building Financing Case Study
John Doe, a real estate investor based in Montreal, Quebec, owns a portfolio valued at $5,000,000. His total available equity was $900,000 after considering existing financing.
Read more about this case
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Whether you have specific questions or need guidance on choosing the right option, we're here to help.
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Loan Application Form
Use this if you don't have access to Filogix or similar!
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How to Work with Us
A complete guide on how to submit the file. From A-Z!
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Brokers Guide to Private Lending
What to do, how to do it and where to start!
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Ready to take control of your finances? Click below to apply or speak with one of our experts.
Use: Equity Release, Debt Consolidation
Rate: 12.00%-14.99%

Second Rank Mortgage required documents:

  • Completed Loan Application
    • Can be submitted by a broker’s preferred platform
    • Can be submitted through our website
  • 2 pieces of ID
  • IBV (Instant Bank Verification)
  • Credit report
  • Proof of revenue:
    • Salaried employees: Pay stubs
    • Self-employed: 6 months of bank statements
    • Retirees: Proof of retirement
  • Municipal & school taxes with proof they are paid
  • Up-to-date mortgage statement
  • Either appraisal or inspection report
  • Appraisal is required by a Capital Express approved appraiser. Call 514-392-0224 for details.
  • Umbrella mortgages, collateral mortgages and home-equity-line-of-credit are calculated differently than standard mortgages.
  • Second rank mortgages with private lenders as a first rank holder are not accepted.