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Paragon Pragmatic Lending
1915 Foxtail Terrace, Kelowna BC V1P 1T9
BCFSA Brokerage License X301089
(778) 557-2144
[email protected]

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Copyright 2026 - All rights reserved. Paragon Pragmatic Lending.
Information is general and not legal, tax, or investment advice. Strategies like the Smith Manoeuvre (Maneuver) and cash or rental damming involve risk. Consult a qualified tax professional.
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Second mortgages

Access equity with a second charge when refinancing is not ideal.

Equity access without refinancing

Second mortgages can unlock equity without breaking the first mortgage, but rates are higher.

Considerations

  • Higher rates
  • Shorter terms
  • Clear exit strategy required

Frequently asked questions

Is a second mortgage better than refinancing?

Sometimes, especially if breaking the first mortgage is expensive.

Next step

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Information is general and not legal, tax, or investment advice. Review lender policies and contract terms before selecting a product.

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