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Call 1-888-794-1464 for the Top Home Equity Line of Credit Options

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Find Out How Much You Can Save

Pay off your debts, renovate your property, or do whatever you and your family see fit with a low-rate home equity line of credit.

Call now and follow our process to get your pre-approval. Most clients are funded within 5 to 8 business days of their signing.

  • Monthly payment = ~1% of balance
  • $0 annual fees
  • No maturity date
  • Most competitive rates on the market

For Debt Consolidation

Nick and Adriana are both self-employed with below average credit. They racked up a sizable credit card debt over a couple of slow months in their businesses. Their monthly cash flow is mostly going to their credit card debt payments, but hasn't paid off much of their credit card debt total.

After being rejected by the banks, we got our clients approved for an Equity Line of Credit, where their monthly payment is only 1% of the total balance. Nick and Adriana has now consolidated their multiple high interest rate credit cards into 1 low monthly payment, and increased their monthly cash flow immediately.

saved per year $5,556
Home Value: $450,000
1st Mortgage Balance: $300,000
Equity Line of Credit Amount: $50,000
$12,000 MBNA Card Debt: PAID
$9,000 Visa Card Debt: PAID
$6,700 MasterCard Debt: PAID
Credit Score Before vs. After: 646 vs. 712
Payments Credit Cards vs. HELOC: $831 vs. $368 per month

For Business

Josh and Jamie own a small business together, and like most people, their credit scores are slightly bruised from making the occasional late payments. The clients, at times, need money to buy extra inventory to meet random spikes in demand, and other unforeseen expenses.

Our clients applied for an Equity Line of Credit, which has the same flexibility as credit cards, but at a much lower interest rate. They love the fact that they don't have to make any payments if they don't use their line of credit, and only pay 1% of the balance each month.

saved per year $8,880
Home Value: $795,000
1st Mortgage Balance: $215,000
Equity Line of Credit Amount: $60,000
$37,000 Credit Card Debt for Inventory: PAID
Credit Score Before vs. After: 651 vs. 708
Payments Credit Cards vs. HELOC: $1,110 vs. $370 per month

For Flexibility

Frank and Julie are having a baby soon; she is going on pregnancy leave next month. Frank is a bit worried that it will be hard to get by in the short-term with the reduced household income. Julie previously took out a payday loan that is she is now paying very high interest on. The couple needs access to extra money in case of emergencies.

While the banks took 3 weeks to go over their application, and declined them due to them not having enough income, we got our clients an Equity Line of Credit within 2 weeks. We consolidated their high interest debts, and gave them easy access to extra money for a peace of mind.

saved per year $4,932
Home Value: $595,000
1st Mortgage Balance: $215,000
Equity Line of Credit Amount: $30,000
$19,000 Credit Card Debt: PAID
$5,000 Payday Loan: PAID
Credit Score Before vs. After: 663 vs. 698
Payments Credit Cards vs. HELOC: $679 vs. $268 per month

Testimonials

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Working with 360Lending was a great experience. Our agent, Adam was a pleasure. Always available to answer any questions and was very empathetic of our situation. We would recommend their service.

Andrea and James Trout February, 2015

Excellent customer service and smooth process. I had a very difficult situation and 360 Lending got me a mortgage. Definitely will recommend to my friends.

Alex Moore June, 2015

We went to a couple different lenders and 360Lending was the one that stood out to us. There service was friendly and we had excellent support throughout the process. We are so glad we chose this team and we look forward to dealing with them on our next refinance

Matthew Pugh July, 2015

Head Office

1801-1 Yonge Street
Toronto, ON M5E 1W7

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E-mail: info@360lending.ca

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