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.

Whether you're looking to refinance, consolidate debt, or borrow against your home equity, working with a mortgage broker who understands the local market — and has access to a wide network of lenders — can make all the difference.

At 360Lending, we proudly help clients in Pickering, Ajax, and throughout the Durham Region. Our 100% digital process means you can get expert advice and the best rates in Ontario — all from the comfort of your home.

Market Insights: Pickering and Ajax

The Pickering and Ajax housing markets have seen major growth over the past decade, thanks to their mix of affordability, proximity to Toronto, and family-friendly communities. As demand continues to rise, so does the importance of having flexible mortgage options tailored to your financial situation.

Here’s what’s driving local mortgage needs:

Rising property values: Many homeowners in the area have built substantial equity without even realizing it.

Younger families moving east: First-time buyers are flocking to Pickering and Ajax to escape Toronto’s high prices.

Increased borrowing for renovations: Aging homes in mature neighbourhoods are prompting equity take-outs for upgrades.

Self-employed and remote workers: The shift in work patterns has created more non-traditional income borrowers who need flexible approval options.

Whether you’re renewing a mortgage, looking to consolidate debt, or tapping into home equity, it pays to work with a broker who understands the local market — and can match you with lenders who do too.

What Does a Mortgage Broker Do?

A mortgage broker works on your behalf — not the bank’s. Instead of being limited to one lender, we compare options from dozens of banks, credit unions, and private lenders to find the best fit for your needs.

Here’s what we help with:

Reviewing your financial goals and current situation

Recommending the right product: fixed, variable, HELOC, second mortgage, etc.

Helping you plan for long-term financial health

Shopping multiple lenders for better rates and terms

Guiding you through the paperwork, approvals, and closing

Our goal is to make the process simple, transparent, and stress-free.

Why Work With 360Lending?

We focus on real people — not just the ones with perfect credit or ideal income. If you’ve been turned down by a major bank, we may still be able to help.

What makes us different:

We work with over 100+ lenders to get you the lowest rates in Ontario

Fast and easy process, with everything done digitally or by phone

Personalized advice based on your specific situation and goals

No upfront fees or obligation to speak with an advisor

We’re here to help you borrow smarter — whether that means getting a better rate, consolidating debt, or making use of your home equity.

We Help Homeowners Access Their Home Equity

If you're looking to borrow against your home, a mortgage broker can help you understand your options — and avoid costly mistakes.

We’ll help you:

Calculate how much equity is available to borrow

Recommend the best product: HELOC, second mortgage, or both

Compare lender offers to find the best pricing

Set up a repayment strategy that works for your situation

It’s not just about accessing cash — it’s about doing it in a way that’s responsible and aligned with your financial goals.

We Help Homeowners With Bad Credit

Even if your credit isn't perfect, you can still qualify for a mortgage or equity loan.

At 360Lending, we regularly help:

Clients recovering from bankruptcy or a consumer proposal

Homeowners with late payments or collections

Borrowers with low credit scores or minimal credit history

We work with lenders who look beyond your credit score — and we’ll help you rebuild your credit while finding a solution today.

We Help Homeowners With Income Challenges

Not everyone has a full-time job with a steady paycheque. If you're self-employed, working on contract, or have had gaps in employment, the banks might turn you away — but we won’t.

Our Clients Are:

Self-employed borrowers with limited income documentation

Gig workers, freelancers, and seasonal employees

Homeowners who rely on rental income or investments

We know how to present your income in the best light and connect you with lenders who are open to flexible income situations.

Homeowners in Pickering and Ajax

Pickering and Ajax have seen strong population growth in recent years — with many families moving from Toronto for more space and affordability. But rising interest rates and household debt have also made it harder for some homeowners to get ahead.

We’ve helped clients in the Pickering-Ajax area:

Refinance their mortgage to lower payments or pull out equity

Consolidate multiple debts into one lower monthly payment

Get approved for a home equity loan despite bad credit

Tap into equity for renovations, investments, or tuition

Switch lenders at renewal for a better rate

Even if you’ve owned your home for just a few years, you may have built up enough equity to qualify.

Mortgage Broker for Pickering and Ajax Area

Whether you're looking to refinance, borrow against your equity, or get approved with credit or income challenges, our team is here to help.

Click on the link at the top of the article to schedule a 15-minute call with a licensed mortgage professional, and we can show you:

How much you qualify to borrow

What your monthly payment could look like

How much you could save by consolidating or refinancing

There’s no pressure, no cost — just honest advice from mortgage experts who understand the Pickering and Ajax market.