Guelph's Digital Mortgage Broker
No bank visits. Digital & hassle-free.
Rates updated Oct 15, 2025
Rates updated Oct 15, 2025
Get on-demand mortgage advice
- 1Find out what you may qualify for
- 2See how much you can borrow
- 3Compare your monthly payments
No commitments, just the first step to better rates.
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.
As featured on:
Why Use a Mortgage Broker in Guelph?
Unlike banks that only offer their own products, mortgage brokers in Guelph 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.
Guelph Housing Market Snapshot
Local market trends for Guelph. Last updated August 2025.
Average Sold Price
$776,858
Days On Market
28
Neighbourhood Snapshot (2025)
The Guelph housing market in 2025 is characterized by stability and balance, having successfully absorbed previous volatility. While the median home price across all types is holding firm around $750K, the market exhibits clear divergence by segment. The detached home segment remains strong with a median price near $1.01M, while the most notable opportunities lie in the townhouse (median $797K) and apartment (median $544K) markets, which show signs of inventory buildup and longer days on market. Overall sales volume is below historical averages, reflecting cautious buyer sentiment. This environment benefits first-time and move-up buyers who now have more time and inventory to conduct due diligence and negotiate without the pressure of severe bidding wars.
Our data points are sourced from Zolo, a data aggregator. You can find our sources here
Mortgage Broker Services in Guelph, 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 moreGuelph Mortgage Rates
Rates updated Oct 15, 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
As mortgage brokers, we do not have our own rates or fees; only lenders do. We provide a credit summary report to show where you qualify and give you an idea of pricing.
Providing rates upfront can be misleading and often leads to disappointment. Only lenders can set and provide accurate pricing once we submit your factual information and documents.
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 Guelph'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
