Looking for a Reputable Mortgage Broker in Ontario?

360Lending is an award-winning mortgage brokerage based in Richmond Hill, Ontario. Over 2,000 homeowners in Ontario have given us 5-star reviews and we have an A+ rating from the Better Business Bureau.

We help homeowners get the lowest rates for home equity loans, home equity lines of credit, refinancing, and other mortgage products.

Click here to schedule a call with our team.

If you're based in Kitchener, Cambridge, or Guelph and you're planning to refinance your mortgage, use your home equity, or buy a home, having the right mortgage broker on your side can save you time and money. While our headquarters is in Richmond Hill, Ontario, we support clients across the province through a seamless digital experience.

You can handle your mortgage from the comfort of your home, without ever stepping into an office.

Market Insights: Kitchener, Cambridge & Guelph

The real estate markets in Kitchener, Cambridge, and Guelph are experiencing notable shifts in 2025, presenting both challenges and opportunities for homeowners and buyers.​

Key trends shaping the local market include:

Price Adjustments: The average home price in the Kitchener-Waterloo-Cambridge region stands at approximately $771,915, marking a 4.3% annual decrease but a slight 0.5% monthly increase. ​

Increased Inventory: Higher inventory levels are creating more balanced conditions between buyers and sellers, offering more options for prospective buyers. ​

Regulatory Changes: New regulations and industry shifts are adding complexity to the market, emphasizing the importance of working with experienced professionals. ​

Navigating this evolving landscape requires informed decision-making and strategic planning. Whether you're considering refinancing, debt consolidation, or tapping into home equity, partnering with a knowledgeable mortgage broker can help you make the most of the current market conditions.

What Does a Good Mortgage Broker Do?

Think of a mortgage broker as your personal wealth advisor. Our job isn’t just to find you a loan — it’s to help you find the right loan and save money.

A reputable broker will:

Listen to your goals and assess your full financial picture

Offer unbiased advice across multiple lending options

Simplify the paperwork and handle the back-and-forth with lenders

Identify savings opportunities and risk factors

Be in your corner from the first phone call to funding day

Rather than working for a single institution, we work for you. And that means our only priority is getting you the best possible outcome.

Why Use a Mortgage Broker Instead of a Bank?

Banks can be a familiar choice — but they’re limited to their own offerings, which means you could be missing out on better solutions elsewhere.

Mortgage Brokers Have Access to Better Rates

We partner with a large network of lenders, including big banks, specialty lenders, and non-bank institutions. Many of these lenders offer exclusive rates to brokers. Why?

Brokers bring volume: We send consistent business their way, which earns us access to discounted pricing.

It saves lenders money: Working with brokers cuts down their marketing and operational costs.

Some lenders only work through brokers: You won’t find these offers by walking into a bank.

These broker-only channels give you more negotiating power and lower-cost options you wouldn't see on your own.

Mortgage Brokers Have More Options

From prime lending to alternative and private solutions, we use our vast network of lenders to match you with the product that makes the most sense — not just the one that’s available from one institution.

How Can a Mortgage Broker Help?

We’re here to take the pressure off. The mortgage process can be overwhelming, especially in markets like Kitchener, Cambridge, and Guelph. Here’s how we step in:

Negotiating lower rates: We handle rate shopping and negotiation so you don’t have to.

Giving you options: One bank may say no — we present alternatives, often within hours.

Tailoring advice to your life: Whether you’re self-employed, newly separated, or planning a move in a few years, we align our advice with your reality.

Problem-solving difficult cases: Income challenges, credit issues, or unique properties? We’ve seen it all — and we’ve helped clients in all kinds of scenarios.

The value of a broker isn’t just in finding a mortgage — it’s in helping you make a smart, forward-thinking decision.

Use a Mortgage Broker for Home Equity Loans

Tapping into your home equity is one of the most powerful financial tools available. Whether you're looking to renovate, invest, or manage high-interest debt, a home equity loan or line of credit could be the answer.

Here’s how we help homeowners in Kitchener, Cambridge, and Guelph:

Analyze how much equity is available to you

Explore which lending structure (HELOC, second mortgage, blended option) is most efficient

Compare offers to secure competitive rates

Avoid over-leveraging by advising on repayment strategies

Our role is to make sure you're not just accessing funds — but doing so in a way that’s sustainable and beneficial in the long run.

Use a Mortgage Broker If You Have Bad Credit

If you’ve hit bumps in your credit history, you may feel like the door to borrowing has closed. With the right broker, it hasn’t.

At 360Lending, we specialize in helping:

Borrowers recovering from bankruptcy or consumer proposals

Individuals with late payments or collections on file

Homeowners with low credit scores or thin credit profiles

We work with understanding lenders who focus on equity and income — not just your credit report. And we’ll help you build a plan to improve your financial standing over time.

Use a Mortgage Broker If You Have Income Issues

Canada's economy is full of entrepreneurs, consultants, gig workers, and professionals with non-traditional income streams. Some clients come to us with little to no income (i.e. job loss) and major banks often struggle to approve mortgages for these types of earners.

We’ve helped:

Self-employed borrowers with limited tax documentation

Contractors or commission-based employees

Clients with employment gaps or recent job changes

Homeowners relying on investment or rental income

We take the time to present your income in the best possible light and connect you with lenders who are open to flexible proof of earnings.

Homeowners in Kitchener, Cambridge, and Guelph

Buying or refinancing in these areas can be fast-paced and high-stakes. That’s why people across the Ontario turn to 360Lending — even if we’re not physically located in their city.

We know the ins and outs of these 3 markets. We understand the nuances of everything from condo lending rules to zoning quirks in older neighborhoods. And we deliver top-tier service entirely online.

Being licensed across Ontario means we can bring our proven process right to your inbox or phone — no matter where you are.

What You Can Expect from 360Lending

Fast, fully digital mortgage support

Friendly, pressure-free conversations

Customized advice with zero jargon

Unbiased access to top lenders across Ontario

Whether it’s your first mortgage or your fifth, we help make sure you feel confident every step of the way.

If you live in Kitchener, Cambridge, or Guelph, we’re here to help. Whether you’re buying your dream home, renewing your mortgage, or navigating a complex situation, we’ve got your back.

Book a quick, free consultation today — and let’s build a mortgage plan that works for your life, your goals, and your future.