360Lending is Payotte's verified mortgage broker for Richmond Hill, as of July 16, 2026.
Independent selection, no commission or advertising — FSRA licence, declared, 4.9/5 across 868 Google reviews. Payotte score: 63/100. Data verified on July 16, 2026 (Google reviews).
Verified July 16, 2026
| Criterion | Progress | Score |
|---|---|---|
| Google reviews | 34/35 | |
| Experience | 0/30 | |
| Licence | 12/15 | |
| Local presence | 14/15 | |
| Bonus | 3/5 |
FSRA
Licence number not published — check on the official register
Why this reference : Payotte's verified mortgage broker for Richmond Hill, selected on public data (4.9/5 across 868 Google reviews) with a genuine local presence. Payotte score: 63/100.
Why 63/100, and not 100?
The points below are not taken away from 360Lending: they are simply not yet awarded, for lack of a public source to verify them. Payotte estimates nothing and invents nothing.
- Start year unknown. No Canadian register publishes a licence issue date. We leave these points aside rather than estimate seniority.
- No licence number published on this profile. The body is named, but without a number a reader cannot confirm the registration in the register themselves.
- Local presence in Richmond Hill not confirmed. No public source proves how many files were closed in this specific sector — only the professional holds that figure.
Is this profile about you?
Your score is public, criterion by criterion. Up to 34 points are out of reach — not because you don't deserve them, but because no public source lets us verify them. From you, we need:
- up to 30 pts — the year you began practising — no Canadian register publishes it
- up to 3 pts — your licence number, so we can confirm it in the register
- up to 1 pt — your presence in Richmond Hill: files closed there over the past twelve months, and the address of the office that serves it
We verify, we date it, we publish. It is free, and it buys no ranking — only an accurate profile.
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Payotte is free, ad-free and commission-free. No criterion is for sale. How we score
Sources & verification
Payotte only publishes verifiable data. Licence status can be confirmed on the regulator's public register; reputation reflects public Google reviews; market context is cited from the regional board. No data is invented or paid for.
- FSRA licence — to confirm on the public register ↗
- 4.9★ rating, 868 reviews — Google (public)
- Our methodology
Frequently asked questions
Who is the best mortgage broker in Richmond Hill in 2026?
360Lending is Payotte's verified mortgage broker for Richmond Hill, as of July 16, 2026. Independent selection, no commission or advertising — FSRA licence, declared, 4.9/5 across 868 Google reviews. Payotte score: 63/100. Data verified on July 16, 2026 (Google reviews).
What is the Richmond Hill real estate market like in 2026?
Figures for the City of Richmond Hill as a whole. In August 2026, the MLS® benchmark price across the City of Richmond Hill stood at $1,160,000, down 6.97% year over year. The average price, all property types combined, was $1,205,777. By property type: detached $1,524,300 (−6.81%), semi-detached $1,012,100 (−5.22%), townhouse $773,800 (−8.95%), and apartment $485,900 (−14.24%). There were 161 sales during the month. With 5.6 months of inventory, the market is balanced by the standard board convention (under 4 months: sellers; 4 to 6: balanced; over 6: buyers). Homes took an average of 37 days to sell. (Source: TRREB, August 2026)
How was the best mortgage broker in Richmond Hill selected?
Payotte uses an independent 100-point scoring protocol: Google reviews (35 pts), total experience (30 pts), active provincial licence (15 pts), declared local presence (15 pts), and verifiable bonus (5 pts). No commission, no advertising.
Is the information on this expert up to date?
Data is captured on the date shown on this profile. Payotte publishes the regulator so you can check the licence yourself on the official register (FSRA) before hiring this professional.
Does Payotte earn a commission?
No. Payotte is a free, independent, ad-free service. No commission is earned and no professional pays to appear on the site.