Mortgage Options
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Rates updated Oct 17, 2025
Rates updated Oct 17, 2025
Get your best rate in 3 steps
- 1See how much you can borrow
- 2Compare your monthly payments
- 3Connect with a broker
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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Renovation Loan with 360Lending
Get approved with no income or credit requirements
Turn home equity into cash at low rates to fund repairs, upgrades, or major projects without breaking your first mortgage. Our team guides you through the eligibility and application process and compares loan features and benefits to fit your goals.
How to finance your renovations (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.
Paid contractors $53,000in renovation costs
Sold home for $40,000over the asking price
Kitchen & Bathroom Upgrades
Edna is 67 years old and has lived in her Ontario home for the past 18 years. With plans to move into a retirement community soon, a realtor friend suggested that some light renovations could significantly increase her sale price.
Edna's home was in a great neighborhood, but it needed a refresh. She wasn’t working and relied on her CPP, OAS, and a modest private pension, which made bank financing a challenge. That’s when she came to 360Lending to explore home improvement loans designed for retirees with equity.
How to Pay for Renovations with Home Equity:
We walked Edna through the eligibility and application process, focusing on her home equity and sale timeline. Since she wanted to avoid refinancing, we recommended a second home improvement loan—a smart option for short-term funding without breaking her mortgage.
Edna got quotes from local contractors, which included kitchen remodelling, light bathroom renovations, new paint, landscaping, and minor repairs—totaling about $53,000. We matched her with a lender who offered competitive home improvement loan rates, flexible terms, and repayment options that worked with her plan to sell soon. We also shared budgeting and cost savings tips to help her stay within scope.
Results
Edna was approved for a $53,000 home renovation loan with a manageable monthly payment and no penalties for early repayment. The project was completed in under three months and included energy-efficient updates, giving her property a fresh, market-ready appeal. She sold her home for $40,000 over asking, paid off the loan, and had cash left to help with her move. Her story is one of many customer experiences and testimonials showing how loans for home improvement—when matched to the right project size and loan features—can create real financial upside.
Get an estimate of your monthly payment:
What you'll need to apply for a home renovation financing 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
