Private Mortgage
Online Pre-Approval
No bank visits. Digital & hassle-free.
Rates updated Apr 21, 2026
Rates updated Apr 21, 2026
Get pre-approved in 3 steps
- 1See how much you can borrow
- 2Compare your monthly payments
- 3Connect with a broker
360Lending is an award-winning digital mortgage brokerage
Since 2015, our team helps Ontario homeowners get better rates on home equity loans, HELOCs, and mortgages.
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Qualify With Reputable Private Lenders
Get approved with no income or credit requirements
Get a mortgage from reputable private lenders when banks cannot help. We help homeowners with overextended credit or income and high debt load.
Qualify with private lenders in 5 steps:
1
Get pre-approved in 60 seconds
See how much you can borrow and your estimated monthly payments before speaking with a broker.
2
Talk to your broker (24 hours)
At the end of your pre-approval, book a call with our team to confirm your goals, details, and timeline.
3
Estimate your monthly payments
Receive a personalized report of your qualifications, options, and your estimated payments with a private mortgage.
4
Access 50+ mortgage 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.
Approved for $295,000as a private mortgage
Paid $80,000for spousal buyout
Interest payments $0for 12 months
Private Lender Solutions
Priya and Arjun are in the process of finalizing their separation. As part of their agreement, Arjun has agreed that Priya and their children can continue living in the family home. To make this arrangement work, Priya needs to qualify for a mortgage on her own and pay Arjun a lump sum to buy out his portion of the property.
Priya was only working part-time before the split so her income alone did not meet the qualifications required by traditional lenders, leaving her uncertain about her ability to stay in her home.
How to Get Approved by Private Lenders:
Our team helped Priya order an appraisal from an approved appraiser to confirm the value of her home and the equity available.
We obtained a copy of her finalized separation agreement to determine how much she will need to pay her ex-spouse.
We were also able to determine that Priya could qualify with a traditional lender in the future with if she returns to work full-time along with the child support and alimony payments that she will receive.
Results
Our team helped Priya qualify for a $295,000 private mortgage which paid out $80,000 to Arjun as part of their agreement. We also structured the private mortgage to include its interest payments over the next 12 months so that she would not have to make any payments for the term.
Here’s how Priya saved money:
Apply for a private mortgage in Ontario, Canada
Have 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
