which way is suitable for me

my old house , I already taken mortage from last 3 years.
but i want to take second mortage ,but as per my information second mortage has very costly than first one and facilities are less.
this old house now i am going to transfer to my wife. so then can i eligible for first time mortage.

please let me know what is difference between first and second mortage ..???

Please let me know which way is suitable for me..

Thanks