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.

To explore your mortgage options, click here to schedule a call with our team.

If you’re living in Oshawa, Whitby, or Bowmanville and thinking about buying a home, refinancing, or borrowing against your equity, working with the right mortgage broker can save you thousands of dollars — and a lot of stress.

While our office is based in Richmond Hill, we proudly serve clients across the Durham Region and all of Ontario through our 100% digital process. That means you can get expert mortgage advice, compare lenders, and secure the best rates — without ever needing to leave your home.

Market Insights: Oshawa, Whitby & Bowmanville

The housing markets in Oshawa, Whitby, and Bowmanville are experiencing notable shifts as we progress through 2025. With decreasing mortgage rates and an increase in new listings, the region is transitioning toward a more balanced market, presenting opportunities for both buyers and sellers.​

Growing Inventory: Durham Region has seen a 23.1% year-over-year increase in new listings, providing buyers with more options and indicating rising seller confidence. ​

Price Adjustments: The average home price in Oshawa stands at approximately $769,748, reflecting a 1.4% month-over-month increase but a 1.2% decline compared to the previous year. ​

Diverse Buyer Demographics: The area attracts a mix of first-time buyers, move-up families, and retirees, each influencing demand across various property types.​

Infrastructure Developments: Ongoing projects, such as the expansion of GO Transit services, are enhancing connectivity and boosting the appeal of these communities.​

These evolving conditions underscore the importance of tailored mortgage solutions. Whether you're considering refinancing, debt consolidation, or tapping into home equity, partnering with a knowledgeable mortgage broker can help navigate the current market landscape effectively.​

What Does a Mortgage Broker Do?

Instead of going from bank to bank trying to figure out who will give you the best deal, a mortgage broker does all that legwork for you. We work with major banks, credit unions, trust companies, and private lenders — and we know their approval guidelines inside and out.

Here’s what a good mortgage broker will do:

Understand your financial goals and current situation

Explain your options clearly (in plain English)

Help you qualify even if you’ve been turned down elsewhere

Shop multiple lenders to find you the best rate and terms

Take care of the paperwork so the process is smooth and stress-free

Why Work With 360Lending?

At 360Lending, we help homeowners in all kinds of financial situations — not just those with perfect credit — to find the right mortgage solutions.

What sets us apart:

Lowest rates in Ontario: We search across over 40 lenders to get you the best rate available

Seamless digital process: Everything is done online or over the phone — no in-person meetings required

Personalized guidance: Our advisors are trained to help with debt consolidation, equity take-out, renewals, and more

No upfront fees: There is no obligation and we don’t charge for consultations

Whether you live in a detached home in Bowmanville or a townhouse in central Oshawa, we can help you tap into your home equity and build a plan to save money.

Use a Mortgage Broker for Home Equity Loans

Your home equity can be a powerful financial tool — whether you're planning a renovation, investing, or looking to pay off high-interest debt. A home equity loan or line of credit might be just what you need to move forward.

Here’s how we help homeowners in Oshawa, Whitby, and Bowmanville:

Assess how much equity you can borrow

Recommend the right product — like a HELOC, second mortgage, or combination of both

Compare lender offers to find the best rates

Provide repayment advice to help you borrow responsibly

Our goal isn’t just to get you access to cash — it’s to make sure the loan is a smart, sustainable move for your future.

Use a Mortgage Broker If You Have Bad Credit

Having a low credit score or past financial issues doesn’t mean you’re out of options. With the right broker on your side, you can still qualify for a mortgage or home equity loan.

At 360Lending, we work with:

Clients rebuilding after bankruptcy or a consumer proposal

Borrowers with past delinquencies or collections

Homeowners with low scores or limited credit history

We partner with lenders who look at the full picture — not just your credit score — and we’ll help you build a plan to move forward and improve your credit over time.

Use a Mortgage Broker If You Have Income Issues

Not everyone has a 9-to-5 job — and that’s okay. If you're self-employed, work on contract, or have variable income, it can be harder to get approved through the banks. That’s where we come in.

We’ve helped:

Business owners and freelancers with minimal income paperwork

Commission-based professionals and seasonal workers

Clients between jobs or with recent employment changes

Homeowners who rely on rental or investment income

We know how to present your income in the best possible way and connect you with lenders who offer more flexible income requirements.

Homeowners in Oshawa, Whitby & Bowmanville

The Durham Region has seen huge growth in recent years — with many families moving east from Toronto to find more affordable homes in places like Courtice, Brooklin, and Newcastle.

At the same time, rising interest rates, inflation, and higher debt loads have made it harder for homeowners to manage their finances. That’s where we come in.

We’ve helped homeowners in the Oshawa-Whitby-Bowmanville area:

Consolidate credit cards, loans, and other debts into one easy payment

Get approved for a home equity loan even with bruised credit

Access up to $250,000 in home equity for renovations, tuition, or investments

Refinance their existing mortgage to get a lower rate

Mortgage Broker for Oshawa-Whitby-Bowmanville

If you’ve owned your home for at least a few years, chances are you’ve built up enough equity to qualify — even if your bank said no.

Whether you're looking to refinance, pay off debt, or access your home equity, we’re here to help.

Our advisors will take the time to understand your situation, explain your options clearly, and help you build a custom mortgage plan that works for you.

Click the link at the top of the article to schedule your free 15-minute consultation. No pressure, no obligation — just straight answers and expert advice.