360Lending

360Lending, digital mortgage brokerage in Richmond Hill, Ontario

360Lending is a digital mortgage brokerage operating from Richmond Hill, Ontario, serving homeowners across the province. The firm presents itself as an alternative without bank visits, offering digital tools to get estimates, schedule calls with a broker, and review options from home. Its team of licensed brokers has been working since 2015 and, according to the company, has accumulated over 2,000 reviews and an A+ rating on BBB.org. The company operates under FSRA license 13092.

Mortgage and consolidation products

The service catalog is organized around liquidity and debt restructuring needs for homeowners. Featured products include:

• Debt consolidation
• Home equity loan
• Home equity line of credit (HELOC)
• Second mortgage
• Private mortgage
• Mortgage default prevention
• Home improvement loan
• Mortgage refinancing
• Home purchase

The website also publishes specific pages with rates for home equity loans, HELOCs, second mortgages, private mortgages, and mortgages in general.

Focus on savings and transparency

The company's approach centers on reducing the cost of credit. An illustrative example on the site shows a couple with $65,000 in credit card, personal, and student loan debt paying about $1,700 per month in interest; after consolidating, they would have saved over $1,050 per month and improved their credit score above 700 within 90 days. The firm states that it does not charge hidden fees and that its technology shows options and pricing so clients can decide with confidence. It also declares that it does not offer quotes or estimates of rates or fees, as it considers quoting to be a misleading practice contrary to its code of ethics; lenders provide pricing after receiving documentation.

Frequently asked questions and mortgage process

The site answers common applicant questions. It notes that a credit check is necessary and that, with a good history, the impact on the score is minimal; that in Canada there are several bureaus (Equifax and TransUnion) with different scoring models, such as FICO 5 in the mortgage industry and FICO 8 for credit cards; that an appraisal is essential to determine the property's market value; and that the process can be completed in about two weeks for a motivated client, although delays from third parties may arise. It also indicates that individuals with damaged credit, in a consumer proposal, or with a prior bankruptcy may qualify for financing, as there are specialized lenders that consider past circumstances, current income, and employment stability. Regarding consent, this is mandatory for all property owners, unless the property has never been the matrimonial home. The company also allows scheduling in-office visits during business hours.

Coverage in Ontario

360Lending serves communities across Ontario. Among the locations mentioned are Ajax, Barrie, Brampton, Brantford, Burlington, Cambridge, Guelph, Hamilton, Kitchener, London, Markham, Mississauga, Oakville, Oshawa, Ottawa, Richmond Hill, Toronto, Vaughan, and Windsor.

Media presence and team

The website compiles press appearances, with articles dated between 2023 and 2025 on mortgage technology, investor programs, innovation in customer care, and financial stress in couples. The company also presents its team as a group of professionals based in Richmond Hill, Ontario.

Location and contact

9040 Leslie St, Unit 215, Richmond Hill, Ontario, L4B 3M4 · Phone: 1-888-794-1464 · Email: info@360lending.ca