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Capital 360

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Canada
Woodbridge, ON
Capital 360

We understand that mortgages aren’t a one size fits all proposition.

Using our exclusive Market technology, we’re able to factor in a number of lifestyle and financial variables to search for the mortgage that’s exactly right for you

01/28/2026

The Bank of Canada (BoC) kicks off the year by holding its benchmark interest steady at 2.25 per cent while they weigh the economic outlook for 2026.

This policy rate determines variable mortgage and home equity line of credit (HELOC) rates in Canada. To take advantage of the current rate environment, contact a Capital360 Mortgage Agent at 416-346-6779 or [email protected]. We’ll work with you to develop the right mortgage strategy for your needs going forward.

01/27/2026

Are you retired? Do you have a low income on paper due to self-employment? Are you independently wealthy? If you answered yes to any of those questions and own high-value property, a net worth mortgage may be right for you.

A Capital360 Mortgage Agent can review your net worth and secure a mortgage with the best possible rates for you. Don’t let standard Bank debt servicing limits stand in your way. Get the mortgage you want today. Get in touch with Capital360: 416-346-6779 or [email protected]. To learn more: https://capital360.ca/net-worth-mortgages/

mortgagestrategy

01/22/2026

Welcoming a new child into the world is incredible. But if you're concerned about your finances, talk to the experts about Capital360 about refinancing. You may be able to use 100% of your pre-leave income to qualify for a refinance and give yourself some financial breathing room. Parental leave shouldn't limit your potential to enjoy time with your new baby. We can help you make sure it won't! Get in touch at 416-346-6779 or [email protected].

01/20/2026

Mortgage or RRSP? Deciding what's right for you depends on your mortgage strategy. Mortgage payments reduce your total interest paid and pay it off sooner. But if you’re taxed at a high rate, the tax savings of an RRSP contribution might benefit you more. One way to decide which is better is to calculate the interest savings on the mortgage and compare it to the RRSP's tax savings and investment earnings.

A popular option is to do a bit of both: contribute to your RRSP and use the tax return to pay down your mortgage. The experts at Capital360 can help you determine the best mortgage strategy for your situation. Get in touch at 416-346-6779 or [email protected].

01/15/2026

Want to keep your home? If you’ve been sharing a mortgage with your partner, you can buy them out. The Spousal Buyout program is available at all three of Canada’s mortgage insurance providers:
CMHC https://www.cmhc-schl.gc.ca/
Sagen https://www.sagen.ca/
Canada Guaranty https://www.canadaguaranty.ca/

The program is available for married couples, common law couples, and joint titled individuals. It allows you to finance up to 95% of the appraised value of your home. To get approved, you’ll need to have a good credit rating, re-qualify for the loan with your assets, and prove that you’ll be able to afford the mortgage payments alone.

To discuss your options, get in touch with the mortgage experts at Capital360: [email protected] or 416-346-6779. We’ll work with you to create the best mortgage strategy for your situation.

01/13/2026

Want access to credit when you need it? A line of credit is a flexible way to borrow money at a lower rate. You can use it as much or as little as you want and only pay interest when you use it. It's a great option if you’re paying off high-interest debt, consolidating, doing home renovations or travelling.

A Capital 360 Mortgage Agent will guide you through the different options for a line of credit to choose the one that's right for you. Get in touch with Capital360 today: 416-346-6779 or [email protected].

To learn more: https://capital360.ca/line-of-credit-heloc/.

01/09/2026

The holiday season is over, but what about the shopping bills? If you still have holiday expenses, be sure to pay them on time. Late payments will affect your credit score.

Here are six simple ways to take control of your debt and protect your credit score:
• Pay your bills on time
• Don't go over your credit limits
• If you carry balances, spread them around
• Limit new credit applications
• Check your credit score and credit report regularly
• Report any errors on your credit report

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 [email protected].

01/07/2026

If you’re saving to buy a home, start the year off right with a new budget. Look at your spending patterns in 2025 and budget for rising costs.

Check out these other tips:
• Find ways to cut spending
• Negotiate costs for cellphone plans, internet, insurance, bank fees
• Cancel subscriptions you don’t use
• Open a tax-free First Home Savings Account

To discuss other ways to grow your down payment quicker, speak to the mortgage experts at Capital360: 416-346-6779 or [email protected]. We're here to help you achieve your home ownership dreams.

12/31/2025

Let's welcome the New Year! 🎉🥳🎊 We want to send a special thank you to all our friends and colleagues who did business with us in 2025. We look forward to working with you again to create the right mortgage strategies to meet your needs. Best wishes for a happy, healthy, joyous and prosperous 2026 for all! 🎉🥳🎊.

12/30/2025

Did this year's holiday spending leave you with more debt than you expected? If you’re a homeowner with high-interest debt from credit cards, consider getting a debt consolidation mortgage. It’s a long-term loan that gives you the funds to pay off several debts at the same time. It can be set up as either a conventional mortgage, home equity loan or line of credit.

If you’re swamped with post-Xmas debt, take control by refinancing your mortgage. Contact Capital360. We can create the right mortgage strategy to help you kick off 2026 knowing that your debts are being handled. Get in touch at 416-346-6779 or or [email protected].

12/24/2025

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 hope everyone will enjoy good health, wealth, and happiness in 2026!

12/23/2025

FSRA's new private-lending report shows that the market is stabilizing and mortgage brokers can anticipate a major private-lending surge in 2026.

Here are some key broker-focused takeaways:
👉 1 in every 6 new mortgages (15.8%) in Ontario was funded by a private lender.
👉 Private mortgages represented $32B — 12.5% of all mortgage dollars in the province.
👉 One in 6 mortgages is now private.
👉 More borrowers are turning to brokers for alternatives.

Brokers who master private solutions will own the market in 2026. Get in touch with the Private Mortgage experts at Capital360: 416-346-6779 or [email protected]. We’ll help you take advantage of the coming surge in private lending.

Address

8787 Weston Road Unit 18A
Woodbridge, ON
L4L1A6

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Website

http://www.capital360.ca/

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