About

Since Mortgage 360 was started, we made it our mission to simplify complex financial information and decisions for our clients. We do not believe there is a “one size fits all” approach to mortgages, and we take the time to understand you and your circumstances, putting everything we have into making sure you walk away happy, every single time.

Finding the right mortgage for your needs is a difficult process. There are lots of options and an overwhelming amount of information. It is hard to feel confident that you are making the right decision. Mortgages aren’t your area of expertise, and there are mortgage products out there that simply aren’t available to the public. It’s very daunting, and it can become incredibly stressful as you try to wade through all the information to zero in on the right option.

Whether you’re a first home buyer, Investor or looking to refinance for a better rate, our aim is to take the hassle out of finding and applying for a mortgage. When you deal with a mortgage adviser from Mortgage 360, you can be confident that you are working with a qualified professional who will help you compare the rates available and provide you with impartial advice about the right type of mortgage to suit your unique circumstances. We will deal with your mortgage application from beginning to end, liaising with the lender on your behalf and helping to make the process as smooth and effortless as possible.

What Does a Mortgage Broker Do?

A mortgage broker aims to complete real estate transactions as a third-party intermediary between a borrower and a lender. The broker will collect information from the individual and go to multiple lenders to find the best potential loan for their client. Finally, the broker serves as the loan officer; they collect the necessary information and work with both parties to get the loan closed.

The Bottom Line: Do I Need a Mortgage Broker?

Working with a mortgage broker can save the borrower time and effort during the application process, and potentially a lot of money over the life of the loan. In addition, some lenders work exclusively with mortgage brokers, meaning that borrowers would have access to loans that would otherwise not be available to them. Brokers can get lenders to waive applications, appraisals, origination, and other fees.

It’s critical to examine all the fees, both those you might have to pay the broker, as well as any fees the broker can help you avoid when weighing the decision to work with a mortgage broker.

Our ‘Best in Market’ Mortgage Promise

At Mortgage 360, we’re so confident in our choice of products and our advice, that we provide every customer with a simple guarantee – should you receive a better offer from another lender than the mortgage offer issued by the Mortgage 360 applied for by the lender, we’ll happily pay you $1000!

This promise is offered exclusively to Mortgage 360 clients who receive a better mortgage offer from another lender, on a like for like product basis, then the mortgage offers already issued by the Mortgage 360 applied for a lender.

Why choose us

We are a mortgage broker and not a lender. We have access to an extensive range of lenders. Once we have assessed your needs, we will recommend a lender(s) that provides suitable products to meet your personal circumstances and requirements, though you are not obliged to take our advice or recommendation.

Whichever lender, we introduce you to, we will typically receive a commission from them after completion of the transaction. The amount of commission we receive will normally be a fixed percentage of the amount you borrow from the lender. Commission paid to us may vary in amount depending on the lender and product. The lenders we work with pay commission at different rates. However, the amount of commission that we receive from a lender does not influence the amount that you pay to that lender under your credit agreement.

Mortgage Broker Advantages

Provide access to more mortgage products than a mortgage banker
Help reduce or otherwise manage mortgage-related fees
Simplify the process of finding and vetting loans
Reduce some of the stress and legwork around shopping for mortgage rates
Offer insight into how much mortgage a borrower can afford and the likelihood of approval