I have recently started to offer 2nd mortgages that are not listed on your credit Report. These are great if you require funds to consolidate, but don’t want to have another ding lowering your credit. There has even been people purchase homes with them, and accelerate the payments. Various types of services. They usually sit around 12% including fees and interest. (Normal rate for a 2nd mortgage). We do all of Ontario.
Check out my website for more information- https://catherinemortgageagent.ca/