What are the Benefits of a Second Mortgage? A few of the great things about a second mortgage include: Ease of Application - a second mortgage is often easier to qualify for than a traditional home loan as it does not require as much paperwork. In certain scenarios, we may only ask for your proof of identification and a valuation of your property (with which you’ll be securing the second mortgage against). Fast approval – less paperwork means faster approval and ultimately, faster access to the cash you need. Unlike a first mortgage, when you apply for a second mortgage with NSW Mortgage Corp we can have the money in your account in as little as 72 hours. How can I use a second mortgage to get ahead financially? A second mortgage can be used for a number or reasons. Some of the reasons people choose a second mortgage include: