Capital360 Mortgage

Dear Friends and Colleagues, We want to thank you for doing business with us this year and trusting us with your mortgage and financing needs. All of us at Capital360 wish you and your family all the best for the holiday season. We wish everyone good health, wealth, and happiness in 2025! #holidayseason #happyholidays #Christmas #NewYearsEve #2025 #bestwishes

If your mortgage is coming up for renewal, your timing is great. You can take advantage of recent interest rate cuts. Here are 5 things you can do before renewal to help you get the most out of your mortgage. 1. Contact a Capital360 mortgage broker 90 to 120 days before your renewal. 2. Your broker will shop the market to secure your best rate. 3. Use your renewal to roll unsecured debt like credit card balances into your mortgage. 4. Consider reducing the length of your mortgage term at renewal. This could give you more flexibility to benefit from future rate cuts. 5. If you want lower monthly payments, ask about stretching your amortization. You’ll pay more interest over the life of the loan but it could give you financial breathing room. At Capital360, we’ll compare lenders to find the best rate and term possible for your renewal. Get in touch with us today: info@capital360.ca or 416-346-6779. #renewal #mortgagerenewal #refinancing #debtconsolidation #lowerrates #ratecuts #amortization #finances

If your bruised credit means you can’t get a mortgage from conventional lenders, consider a private mortgage instead. It can be a convenient, short-term solution to get the funds you need. Here are the Pros and Cons to keep in mind: PROS • Short and quick approval process • Easier to qualify • Can use as a short term loan and bridge loan • Helpful for debt consolidation CONS • Higher interest rate • Extra fees such as lender fees, broker fees & legal fees • Short term loan (usually pay it back within the next 24 months) At Capital360, we’re private mortgage experts. To discuss your alternative financing options, contact us at 416-346-6779 or info@capital360.ca. #privatemortgage #alternativemortgage #alternativefinancing #privatefinancing #debtconsolidation #bruisedcredit

While getting rid of the dust bunnies, clean up your credit score too. If you want to get a better mortgage rate, it's good to keep an eye on your credit score, especially during the holiday shopping season. Here's how to clean up your credit score and get a better rate. • Check your credit score and credit report regularly • Pay your bills on time • Don't go over your credit limits • Report any errors on your credit report • If you carry balances, spread them around Talk to the mortgage professionals at Capital360. We can review your credit score with you and suggest ways to improve it. Get in touch at 416-346-6779 or info@capital360.ca. #creditreport #creditscore #interestrate #mortgages #mortgagerates #Capital360

Hooray 🍾 🥂 Let’s celebrate another interest rate cut!!! The Bank of Canada lowered the benchmark interest rate to 3.25% today. If you want to re-evaluate your current mortgage situation or get into the housing market, now's the time. To take advantage of a lower rate now, get in touch with Capital360 today: 416-346-6779 or info@capital360.ca. We’ll help you renegotiate your mortgage at a better rate or help you get into the housing market with a more affordable mortgage. #BOC #interestrate #interestcut #ratedrop #rateannouncement #BankofCanada

Are high-interest rates getting you down? Are you worried about your mortgage at renewal? Are you wondering if you'll ever be able to afford a new home? Whatever questions you have about home financing, the mortgage experts at Capital360 are here for you. We’ll help you create the right Mortgage Strategy for today's rate environment so you can sleep at night! We're a boutique mortgage brokerage firm that provides complete mortgage solutions for you, regardless of your financial situation. Contact us at 416-346-6779 or info@capital360.ca. #mortgagestrategy #mortgages #mortgageadvice #mortgageagents #bestrates #homeownership #mortgagerenewal #competitiveinterestrates

Getting a second mortgage can help if you want to renovate, buy another property, or pay off high-interest debts. The amount you can borrow depends on how much equity you’ve built up in your property. Most second mortgages allow you to access up to 80% of your equity (85% in major cities). Here's what you need to qualify for a second mortgage: - Proof you have enough equity in your home - Your credit score - A letter of employment or recent pay stubs to prove you can afford a second mortgage Talk to us at Capital360. We can review your financial situation and recommend the mortgage strategy that would work best for you. Get in touch at 416-346-6779 or info@capital360.ca. #secondmortgage #homeequity #LTV #propertyequity #accessyourequity #consolidatedebts #renovations #debtconsolidation #mortgagestrategy

Your mortgage is coming up for renewal. While it may seem more convenient to automatically renew with your current lender, it’s worth it to shop around. A Capital360 mortgage broker will work with you to put together a mortgage plan based on your own personal needs. Here are 3 important questions to ask your Capital360 mortgage broker: 1. How can I renew my mortgage at the lowest possible rate? 2. How long of a term should I go for? 3. What’s the best way to pay off my mortgage sooner? At Capital360, we promise to find you the lowest mortgage rates available in 24-48 hours, no matter what type of mortgage you might need. Get the answers you need before your renew. Get in touch at 416-346-6779 or info@capital360.ca. #mortgagestrategy #mortgagerenewal #financing #mortgages #bestrates #lowermortgagerates #mortgageterm

Capital360 Mortgage has more of what you're looking for to finance your home. We give you access to multiple lenders and lower rates. Our mortgage agents work on referrals only, which means they work hard to find you the best deal possible. Our agents aren't stuck with only a limited number of mortgage packages to choose from. We can compare rates from various banks, credit unions, trust companies and alternative lenders all at once. We can even get you access to unadvertised mortgage loan rates that are significantly lower than traditional banks or credit unions. Get the mortgage you want from Capital360. Get in touch at 416-346-6779 or info@capital360.ca. #mortgagestrategy #financing #mortgages #bestrates #lowermortgagerates #morechoice #moreoptions

Turn your grass into cash with new construction financing. This residential mortgage option from Capital360 helps you increase your home’s value by building a Garden Suite or Laneway House. Check out the benefits of this new construction loan: • Gain additional income, while making your own mortgage more affordable • Provide additional office, guest, or living space for your family • Increase access to housing in your community • Use the space to downsize without having to relocate • Available only in the Greater Toronto Area (GTA), Greater Vancouver, and Calgary Want to get more value out of a big backyard? Speak to the experts at Capital360. Get in touch at 416-346-6779 or info@capital360.ca #LanewayHouse #GardenSuite #lanewayhousing #newconstruction #Constructionfinancing #rentalincome #Lanewayconstruction #GTA #Vancouver #Calgary