Mortgage Options
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Rates updated Oct 15, 2025
Rates updated Oct 15, 2025
Get your best rate in 3 steps
- 1See how much you can borrow
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Award-winning mortgage brokerage in Ontario with 2,000+ 5-star reviews
Since 2015, 360Lending has been helping homeowners across Ontario get better rates on home equity loans, HELOCs, and mortgage refinancing.
Proven Success
We fix problems banks can't. We help homeowners with overextended credit or income and high debt load.
Hassle-Free Approval
Get an instant estimate, schedule a call with a broker, and review your options from the comfort of home.
Transparent Advice
Rated A+ by the Better Business Bureau. Our brokers are committed to your best interest—always.
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Private Mortgage with 360Lending
Get approved with no income or credit requirements
Get a mortgage from reputable private lenders when banks cannot help. We help homeowners with overextended credit or income and high debt load.
How to qualify with private lenders (5 steps):
1
Get your estimate in 60 seconds
See how much you can borrow and your estimated monthly payments with our estimation tool - all before speaking with a broker.
2
Get your approval in 24 hours
Schedule a call at the end of your estimate to talk to a broker and receive your conditional approval within 24 hours.
3
Review your options
Receive a personalized report of your credit and debt-to-income ratios. See where you may qualify and how much you can save.
4
Compare with 100+ lenders
We negotiate with a vast network of lenders to get you the best rates for your situation.
5
Receive funds within 5 to 8 days
Have your funds deposited into your account within 5 to 8 business days after your documents are signed.
Approved for $295,000as a private mortgage
Paid $80,000for spousal buyout
Interest payments $0for 12 months
Private Lender Solutions
Priya and Arjun are in the process of finalizing their separation. As part of their agreement, Arjun has agreed that Priya and their children can continue living in the family home. To make this arrangement work, Priya needs to qualify for a mortgage on her own and pay Arjun a lump sum to buy out his portion of the property.
Priya was only working part-time before the split so her income alone did not meet the qualifications required by traditional lenders, leaving her uncertain about her ability to stay in her home.
How to Get Approved by Private Lenders:
Our team helped Priya order an appraisal from an approved appraiser to confirm the value of her home and the equity available.
We obtained a copy of her finalized separation agreement to determine how much she will need to pay her ex-spouse.
We were also able to determine that Priya could qualify with a traditional lender in the future with if she returns to work full-time along with the child support and alimony payments that she will receive.
Results
Our team helped Priya qualify for a $295,000 private mortgage which paid out $80,000 to Arjun as part of their agreement. We also structured the private mortgage to include its interest payments over the next 12 months so that she would not have to make any payments for the term.
Here’s how Priya saved money:
What you'll need to apply for a private mortgage in Ontario, Canada
We recommend getting the following documents ready to ensure a seamless experience:
2 valid IDs (i.e. passport)
Direct deposit (or void cheque)
Home insurance
Mortgage statement
Property tax bill
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360Lending empowers families with tools for better decisions and prioritizes client care for success.
9040 Leslie St, Unit 215
Richmond Hill, Ontario, L4B 3M4
Mon-Wed9am-8pm
Thurs-Fri9am-5pm
Sat-SunClosed
