Kitchener's Digital Mortgage Broker
No bank visits. Digital & hassle-free.
Rates updated Oct 5, 2025
Rates updated Oct 5, 2025
Get on-demand mortgage advice
- 1See what you may qualify for
- 2Find out how much you can borrow
- 3Calculate your monthly savings
No commitments, just the first step to better rates.
Our digital and hassle-free mortgage experience is backed by 2,000+ 5-star reviews
360Lending is an award-winning mortgage brokerage helping homeowners across Kitchener get better rates on home equity loans, HELOCs, and mortgage refinancing.
Get a Free Online Estimate
Find out how much you can borrow and see your estimated monthly payments in 60 seconds.
Review Borrowing Options
Get a clear picture of your borrowing power with our digital report of your credit, DTI & equity.
See Your Best Offer
See your best offer's rate, terms & interest savings clearly laid out in our visual report.
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Why Use a Mortgage Broker in Kitchener?
Unlike banks that only offer their own products, mortgage brokers in Kitchener give you access to dozens of lenders, with guidance tailored to your unique situation.
No Hidden FeesOur services are free with major banks. Any fees for B and private lenders are fully transparent and always outlined in our documents.- More SolutionsWe work with major banks, B lenders, and private lenders to find solutions for bad credit, self-employed income, and clients who have been turned down.
- Get a Lower RateOur team helps clients get the lowest rates by comparing many lenders and having access to exclusive rates not available to the public.
- Peace of MindLet us handle the complexity. Our expert guidance provides peace of mind and saves you significant time and stress throughout the process.
Kitchener Housing Market Snapshot
Local market trends for Kitchener. Last updated August 2025.
Average Sold Price
$518,269
Days On Market
12
Neighbourhood Snapshot (2025)
The Kitchener housing market in 2025 is no longer defined by the rapid pace of previous years, instead offering a more deliberate and buyer-friendly environment. An increase in inventory has led to a welcome cooling period, with the average home price in the Waterloo Region now sitting at approximately $735,082. This shift is giving buyers more time and options, as homes are spending an average of 14 days on the market. Market trends vary significantly across property types, creating distinct opportunities. The condo market presents the most accessible entry point, with the average price falling to around $415,559—a substantial year-over-year decline. This oversupply, particularly in the downtown core, gives first-time buyers and investors increased negotiation power. Conversely, while prices for detached homes have also moderated to an average of $857,579, they remain a strong investment. The market for townhouses is a solid middle-ground option, with an average price of $603,245. This diversified landscape highlights that while the overall market has cooled, strategic and data-driven purchasing in key neighbourhoods can lead to excellent long-term value.
Our data points are sourced from Zolo, a data aggregator. You can find our sources here
Mortgage Broker Services in Kitchener, ON
Our team has helped thousands of clients across the GTA secure custom solutions, from HELOCs to refinancing and everything in between.
Consolidate Debt
Reduce your interest and combine debts into one lower payment. On average, our clients save around $750/month—or $9,000/year—by consolidating $50,000 of debt.
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Finance Renovations
Use your home's equity to fund renovations. We find the most cost-effective HELOC or refinancing option to make your dream upgrades a reality.
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Home Equity Loan
Get a fixed-rate home equity loan with no credit or income requirements. Unlock your home's equity for debt, renovations, or cash flow without having to refinance or sell.
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Home Equity Line of Credit (HELOC)
Get a flexible HELOC with no credit or income requirements. Unlock your home's equity for ongoing projects or cash flow without having to refinance or sell.
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Second Mortgage
Get additional funds for renovations, investments, or debt consolidation. A second mortgage is your solution when a refinance is not an option.
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Private Mortgage
Our private mortgage lenders provide solutions when banks say no, offering affordable options for bad credit, self-employed income, or unique situations.
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Mortgage Refinancing
We work with major banks and B lenders to help you free up cash, get a lower rate, or improve monthly payments through refinancing.
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Purchase a Property
Purchase your new home with confidence. We compare mortgage options from major banks, B lenders, and private lenders to find the best rate for you.
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Avoid Mortgage Default
Missed a mortgage payment or two? We help you use your home equity to stop Power of Sale and get back on track with your mortgage—before it's too late.
Learn moreKitchener Mortgage Rates
Rates updated Oct 5, 2025
Current Home Equity Product Rates
Home Equity Loan
HELOCA home equity loan is a type of second mortgage, often used by homeowners to access their home equity without breaking their first mortgage.
The most common purposes for these loans are:
- Debt consolidation
- Home renovations
- Improving cash flow
- Financing major purchases
A key characteristic of this product is that it typically comes with a fixed interest rate and a fixed term.
Refinancing Rates
Prime Lenders(1st)B Lenders(1st)Prime Lenders are major banks and credit unions. They offer the lowest rates because they operate under strict federal guidelines and only approve the lowest-risk borrowers with credit scores over 680 and low debt-to-income ratios (GDS/TDS < 39% / 44%).
B-Lenders are regulated financial institutions that provide an alternative to the major banks. They offer more flexible underwriting and are more willing to approve borrowers who don't fit the traditional mold, like self-employed professionals.
Estimate Your Monthly Payment
Private equity-based lenders, meaning they focus almost exclusively on the value and equity in your home rather than your credit history or income.
FAQs
Answers from the 360Lending Team
We do not provide quotes or estimates of rates and/or fees. Our job is to negotiate, not speculate, on our client's behalf.
Quoting is a misleading practice that violates our company's policies and our code of ethics as mortgage professionals. Lenders are the only ones who can provide pricing information after we provide them with factual information and documents.
Licensed mortgage professionals can help you qualify with prime lenders (i.e. major banks) for free and give you access to discounted rates. If you can't qualify with the major banks, you will need help from a licensed mortgage professional to get approved with banks and lenders that are not open to the public. Knowledgeable brokers can also provide expert guidance and personalized service in hard-to-navigate situations to help their clients qualify.
Absolutely! Lenders use your credit information to determine your creditworthiness and to understand what liabilities (i.e. debts) you have. If you have good credit, credit inquiries have a minimal impact on your score. If you have poor credit, your report will help us determine how to fix it.
There are multiple credit bureaus (Equifax and TransUnion) in Canada with many different credit scoring models and they are used for various purposes. For example, FICO 5 is commonly used in the mortgage industry, while FICO 8 is mainly used by credit card companies.
An appraisal is essential in the mortgage process as it contains information about the physical attributes of the subject property, and determines its fair market value based on the recent comparable sales data in the area.
Our team will always match your pace but there could be delays caused by other parties involved in the process. Generally speaking, a motivated client can have their mortgage funded within 2 weeks.
Yes, but it depends. Brokers have access to lenders who specialize in helping individuals with bruised credit histories. Lenders also consider various factors beyond your credit score, such as your past circumstances, current income, and employment stability.
Spousal consent is always required unless the property has never been a matrimonial home. All parties on the title of the property must consent to the mortgage transaction.
Absolutely! You're welcome to schedule an in-office visit with us during regular office hours.
Work With Kitchener's Top Brokers
Local, trusted and committed to better borrowing
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
