Need a Reputable Broker in Ottawa, Gatineau, or Orleans?

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 living in Ottawa, Gatineau, or Orléans and thinking about buying a home, refinancing, or borrowing against your equity, choosing the right mortgage broker can make all the difference. While our brokerage is based in Richmond Hill, Ontario, we proudly serve clients across the province through our 100% digital process.

No matter where you are, we make the mortgage experience smooth, simple, and personalized to your needs.

Market Insights: Ottawa, Gatineau & Orléans

The Ottawa-Gatineau region continues to evolve as one of the most stable and resilient housing markets in Canada. With a strong public sector base, growing tech industry, and consistent immigration, the area offers long-term appeal for both homebuyers and investors.

Here’s what’s shaping the market in 2025:

Balanced conditions: While home prices have adjusted from peak pandemic levels, the market remains balanced, with steady demand across both urban and suburban areas.

Growing suburban interest: More buyers are gravitating toward Orléans and other suburbs, attracted by larger homes, newer developments, and better affordability.

Home equity growth: Many long-time homeowners in Ottawa and Gatineau have seen significant equity growth over the past 5–10 years.

High demand for refinancing: With fluctuating interest rates, many homeowners are exploring refinancing or equity take-outs to manage debt or fund major expenses.

Diverse buyer profiles: From government employees to new immigrants, the region attracts a wide range of borrowers — many of whom benefit from flexible lending solutions.

In today’s market, working with a knowledgeable mortgage broker is key to navigating your options and making the most of your home’s value.

What Does a Good Mortgage Broker Do?

A good mortgage broker is more than just a middle person. We work on your behalf to find the best mortgage solutions from a wide range of lenders. This means we don’t just look at one option and call it a day. We explore many, compare carefully, and guide you through the process from start to finish.

What to expect from a reputable mortgage broker:

Clear, honest, thoughtful advice

Access to a wide range of lenders

Experience with different financial situations

Step-by-step support during the entire mortgage process

Personalized solutions based on your goals and lifestyle

Whether you’re a first-time homebuyer, looking to refinance, or trying to access the equity in your home, we help you find the best path forward.

Why Use a Mortgage Broker Instead of a Bank?

When most people think about getting a mortgage, they head straight to their bank. But that’s not always the smartest move. Banks can only offer their own limited products, and usually at posted rates that aren't always the best you can get.

Brokers Get Better Rates

Lenders — including big banks and monoline lenders — often give mortgage brokers access to “broker-exclusive” rates. These are lower than the posted rates you’d see walking into a bank. But why?

Volume Discounts: Mortgage brokers send a high volume of business to lenders. Because of this, lenders are willing to offer better pricing to attract more deals from brokers.

Lower Acquisition Costs for Lenders: It costs lenders a lot to advertise, staff branches, and acquire customers directly. When you come through a broker, those costs drop — and they can pass the savings on to you through lower rates.

Unpublished Rates: Many lenders reserve their best rates for brokers and don’t advertise them publicly. That’s why a bank’s posted rate isn’t always the best rate available.

Brokers Can Present More Options

Mortgage brokers have access to a much wider selection of lenders and mortgage products. That includes:

Prime lenders (big banks and credit unions)

B-lenders (borrowers with lower credit or non-traditional income)

Non-institutional private lenders (for short-term needs, credit challenges, or unique situations)

This variety means more flexibility, better chances of approval, and often, much better rates.

How Can a Mortgage Broker Help?

Our job is to make your mortgage experience easier, smarter, and more affordable. We take the stress out of the process and help you navigate all the options out there. Here are a few ways we can help:

Get You Better Rates: We compare rates from many lenders, and often negotiate on your behalf. This can mean significant savings, especially when compared to the posted rates at major banks.

Offer More Options: Banks only sell their own products. We have access to dozens of lenders, including ones that specialize in certain types of borrowers, like self-employed people or those with bruised credit.

Provide Personalized Advice: No two clients are the same. We take time to understand your full financial picture, your future plans, and your comfort level. Then we suggest the best mortgage options for you.

Help You Get Approved in Difficult Situations: Whether you’ve been turned down by a bank or you have a unique situation, we can find creative solutions that work.

Mortgage Broker for Home Equity Loans

If you have built up equity in your home, a home equity loan or line of credit can be a smart way to access funds. You can use this money for renovations, debt consolidation, education, investments, or other large expenses.

As your mortgage broker, we help you:

Assess how much equity you can access

Understand the difference between home equity loans, HELOCs, and second mortgages

Compare lenders to find the best rates and terms

Structure your borrowing in a way that fits your long-term goals

We also help you avoid the common traps people fall into when borrowing against their home. Our goal is to help you use your equity wisely and responsibly.

Mortgage Broker for Bad Credit Borrowers

Bad credit doesn’t mean you’re out of options. Many banks will turn away borrowers with low credit scores, but as brokers, we work with a variety of alternative and private lenders who understand that life happens.

We’ve helped people who:

Went through a bankruptcy or consumer proposal

Fell behind on bills during tough times

Have low or no credit history

We look beyond the credit score. We help you rebuild, refinance, or even purchase a home when the banks say no. And when you're ready, we help you transition back to better rates as your credit improves.

Mortgage Broker for Income Issues

Not everyone fits into a traditional employment box. Many of our clients are self-employed, freelancers, or gig workers. Sometimes clients with little to no income (i.e. job loss) will come to us to access their home equity.

We help people with:

Non-traditional income

Commission-based earnings

Cash income or tips

Gaps in employment

Recently started businesses

Because we work with lenders who understand these unique income types, we can help you qualify for the financing you need—even if a bank turns you away.

Why Homeowners in the Ottawa Area Choose Us

Even though our head office is in Richmond Hill, we work with clients all across Ontario, including right here in the Ottawa-Gatineau region. Our process is 100% digital, which means you can get expert service from the comfort of your home.

From your first call to closing day, we guide you every step of the way with clear communication, honest advice, and fast results.

We know the local housing market, the unique challenges in this region, and the needs of both urban and rural homeowners. And because we’re provincially licensed, you get the same trusted service as if we were right next door.

What You Can Expect From Us

A simple, streamlined mortgage process

Clear answers to your questions

Access to top lenders across Ontario

No pressure, no confusing language

Just honest, expert help with your mortgage

If you’re in Ottawa, Gatineau, or Orléans and looking for the right mortgage solution, we’re here to help. Whether you’re buying, refinancing, or facing credit or income challenges, we can help you move forward with confidence.

Our entire process is digital, secure, and designed to make your life easier. Connect with us today, and let’s build a mortgage plan that works for you—not just for today, but for years to come.