Looking for a Second 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.

👉 Click here to talk to us about getting a second mortgage.

For many Ontario homeowners, deciding whether to take out a second mortgage comes with a lot of uncertainty. Should you tap into your home equity? Is a second mortgage even the right move? From weighing the pros and cons to understanding lender options and rates, it’s easy to feel overwhelmed. That’s where an experienced second mortgage broker makes all the difference—helping you explore your choices, understand the risks and benefits, and confidently move forward with the best strategy for your needs.

At 360Lending, an award-winning second mortgage brokerage, we help Ontario homeowners unlock the value of their home to meet their financial goals—whether that’s consolidating debt, covering major expenses, or accessing home equity for important life needs.

Why Use a Broker for Second Mortgages

A second mortgage broker does far more than connect you with lenders. Our job is to protect your interests and ensure you choose the option that’s best for your situation.

Here’s how we help:

Assess your needs and situation

Determine if a second mortgage is the right solution, or if alternatives are better

Help you understand the pros and cons of borrowing against your home equity

Guide you in choosing the right type of second mortgage

Home equity line of credit (HELOC)

Second mortgage from a financial institution

Private home equity loan

Work only with reputable lenders

Protect you from unfair terms or risky lending practices

Negotiate the best pricing

Access a wide network of lenders across Ontario

Compare offers to secure the most competitive rates and terms

Help you meet lender requirements

Advise on documents and information you’ll need

Assist with satisfying lender conditions for approval

Coordinate the full process

Work directly with lenders, appraisers, and your lawyer

Ensure a smooth experience from application to funding

With a second mortgage broker by your side, you can be confident you’re making the smartest choice to meet your financial needs—while saving time, money, and unnecessary stress.

How 360Lending Helps Our Clients

360Lending is a full-service mortgage brokerage; we help homeowners in Ontario with purchases and refinancing.

Access to a full range of lenders in Canada:

Prime lenders (major banks)

Subprime lenders (B lenders for lower credit or unique situations)

Private mortgage lenders (we only work with reputable lenders to protect our clients' interest)

We help Ontario homeowners get out of debt:

Use your home equity to pay off high-interest debt

Combine multiple payments into one manageable payment

Lower monthly interest payments by up to 50%

Help you rebuild your credit score within 60 to 90 days after paying off debt

Transition you back to a traditional lender once your credit improves

Our dedicated Client Care Department provides:

Regular follow-ups after funding

Ongoing guidance on improving your borrower profile

Strategies to help you qualify for better mortgage products in the future

Award-Winning Second Mortgage Broker in Ontario

Since opening our doors in 2016, more than 2,000 Ontario homeowners have given us 5-star reviews on Trustpilot and Google. Our track record speaks for itself.

One of our standout tools is our Credit Summary Report. This report is designed to give you a full picture of your borrowing profile. It shows you exactly how your qualifications stack up with prime lenders, subprime lenders, and private lenders. It’s an honest and educational snapshot that helps you understand what’s possible and where you can improve.

Another key strength of 360Lending is our commitment to working only with reputable lenders. Private mortgages can be an unregulated space, and we take that seriously. We will not present an offer to our clients unless the lender meets our high standards of trust and ethics.

Communication is also where we shine. We know that taking out a mortgage or refinancing can be stressful. Our team prides itself on being highly responsive to client calls and emails. We explain things clearly, answer your questions, and keep you informed every step of the way.

Finally, we specialize in helping clients who are in tough situations. Whether you’re carrying debt, have bruised credit, are self-employed, or have been declined by a bank, we know how to leverage your home equity to get you the funding you need. We’ve helped thousands of Ontario homeowners get back on track using home equity loans, HELOCs, and private mortgages.

What sets 360Lending apart?

We help clients understand their finances with our Credit Summary Report

Shows how you qualify across prime, subprime, and private lenders

Provides a clear, honest overview of your mortgage options

We only work with reputable lenders who meet our strict standards

Outstanding communication

We respond quickly to client calls and emails

We explain your options clearly at every step

Proven track record of helping clients in difficult situations

Debt consolidation

Home equity loans

HELOCs

Private mortgages

If you’ve been declined by your bank or are struggling with debt, we have the experience and lender network to help you move forward with confidence.

360Lending Digital Application Process

We believe applying for a mortgage should be simple, not stressful. That’s why we’ve designed a fully digital and personal application process to suit every borrower’s comfort level.

You can choose how you want to apply:

Apply online

Convenient and secure online form

Complete at your own pace

Schedule a call with our team

Speak to a mortgage expert over the phone

The call takes about 15 minutes

We walk you through every step

Once you apply, here’s what happens:

We review your qualifications with you using our 360Lending Credit Summary Report

We explain which types of lenders (prime, subprime, private) you may qualify for

We do not provide upfront rate quotes without doing our due diligence

We believe rate quoting without full documentation is misleading

We work with facts, not guesses

Our process includes:

Getting all documents upfront (proof of income, debts, etc.)

Ordering an appraisal from an approved appraiser

Accurately advising you based on your complete profile

The result? You get clear, realistic guidance—not false promises.

360Lending Digital Credit Summary Report

We created the 360Lending Credit Summary Report to give every client a clear, honest look at their finances and borrowing options. This report is one of the most valuable tools we offer.

Here’s what it includes:

Credit score

Understand where you stand with lenders

Debt overview

List of all outstanding debts

Includes any debts in collections or judgments

Home equity estimate

Shows the potential equity you could access based on your property value

Debt-to-income ratios

Clearly explains how much of your pre-tax income is used for household expenses and debts

Helps you understand if you meet lender guidelines

Potential savings

We show you how much money you could save by consolidating debt with a home equity loan

Our goal is simple: to empower you with knowledge and clear next steps. You’ll understand exactly where you stand and what actions to take to qualify for better mortgage products in the future.

Best Second Mortgage Broker in Ontario

Choosing the right mortgage broker is one of the most important financial decisions you’ll make. At 360Lending, we combine:

Deep experience

Strong lender partnerships

Outstanding client service

The most advanced tools available in the private mortgage industry

We’ve helped thousands of Ontario homeowners reduce their debt, rebuild their credit, and regain control of their finances.

Whether you’re:

Trying to consolidate debt

Accessing home equity

Facing a mortgage renewal with poor credit

Or simply need expert advice

We’re ready to help.

You don’t have to figure it out alone. Contact 360Lending today to speak with an experienced mortgage professional and take the first step toward a brighter financial future.