Access your equity — without breaking your first mortgage.
Consolidate high-interest debt or unlock cash through a second mortgage that sits behind your current one — same rate, same term, no prepayment penalty.
Prefer to talk? (647) 949-1849
Mortgage Agent Level 2, License #M23005655 · Juno Mortgages
Rate
6.99%
Term
Flexible
Position
2nd
You could access
$100,000
Equity growth, 12 mo
+18%0+
Lending partners
0★
15 Google reviews
0hr
Typical response time
0
Call centres involved
The smarter way to access your equity
If you're carrying credit card or loan debt at 20%+ interest, or just want cash out of your home, breaking your first mortgage isn't the only option — and it's usually not the cheapest one.
Your first mortgage stays untouched
Same rate, same term, same lender if you want — nothing about your existing mortgage changes.
No prepayment penalty
Breaking your first mortgage early can cost thousands. This structure avoids that entirely.
A second mortgage behind your first
We access your equity through a second-position loan, sized to what you actually need.
One lower monthly payment
Roll high-interest credit cards, loans, and lines of credit into a single predictable payment.
What clients say
“Jaskeerat is extremely professional and reliable. Gets the job done and communicates with you along the way. Highly recommended!”
Gurjot Grewal
6 months ago
“I had a very hard time finding a mortgage broker — they all were wasting my time and unprofessional, so I called Jas. He gave good, honest advice and was really helpful to work with. Anyone looking for a mortgage broker, I really suggest calling Jas.”
Private Boss
6 months ago
“I can't recommend Jaskeerat enough! As a first-time homebuyer I was nervous about the process, but he made everything so easy — took the time to understand my needs and found a mortgage that worked perfectly for my situation.”
Shabaz Suri
1 year ago
Why work with an independent broker
A bank can only offer you the bank's products. I work for you, not a lender.
Fast approvals
Your deal closes on time — no scrambling, no buyers falling through at the last minute.
We solve for the hard cases
Self-employed, new to Canada, credit challenges — we find a lender who says yes.
Proactive updates
You'll never wonder where things stand. Real communication, the whole way through.
50+ lenders, real options
When the big banks say no, we usually have three more places to try.
Wherever you're starting from
Find the path that matches your situation.
How it works
Tell me your situation
A quick call or form — your goals, your numbers, no judgment.
I shop 50+ lenders for you
I compare rates and products across the market to find your best fit.
You close with confidence
Clear updates the whole way, so nothing catches you off guard at closing.
Free tools, real numbers
Every calculator gives you a personalized result in under a minute.
From the blog
Plain-language guides on the questions I get asked most.
Mortgage Renewal in Toronto: Should You Switch Lenders or Stay?
Your mortgage renewal letter isn't your only option. Here's how renewal actually works, why switching lenders can pay off, and when staying put makes sense.
Using Home Equity to Consolidate Debt in Ontario: What to Know Before You Do It
Credit card and loan interest piling up? Here's how debt consolidation through home equity actually works in Ontario, what it costs, and when it doesn't make sense.
Getting a Mortgage When You're Self-Employed in Canada
Self-employed and worried a mortgage is out of reach? Here's how Canadian lenders actually assess self-employed income, and what you can do to strengthen your file.
Common questions
No — for most residential mortgages, my services are paid by the lender, not you. There's no cost or obligation to have a conversation.
Ready to talk it through?
Every situation is different. Tell me a bit about yours and I'll follow up personally — no call centre, no pressure.