Unlock the future of your home equity.
Future Lending Group connects Greater Toronto Area homeowners with our network of licensed private and alternative lending partners. Approval is built on the equity in your home — not your credit score or pay stub.
Future Lending Group is a referral service, not a lender or a licensed mortgage brokerage. Inquiries are referred to licensed lending partners.
See what your home equity could unlock.
A possibility based on equity — not an approval or a rate quote.
Estimates only. Final loan amount is determined by the licensed lending partner. Future Lending Group is a referral service, not a lender.
Start inquiryA considered approach.
We act as your liaison, navigating the private-credit landscape to find the licensed partner whose terms best fit your profile.
Initial review
Share your home value, mortgage balance, and what you're trying to accomplish. We assess your equity position — no credit pull to start.
Lender matching
We route your file to the licensed private or alternative lending partner whose program best fits your equity, location, and timeline.
Final funding
Once you accept a written commitment, most files close in 5–10 business days through your lawyer.
Equity-based programs we connect you with.
Every program below is approved on the equity in your home — not income or credit score alone.
Second Mortgage
Access equity behind your existing first mortgage without disturbing your current rate.
Bad Credit Mortgage
Home-equity options when banks have said no because of your credit score.
Home Equity Loan
Turn the equity you've already built into accessible funds.
B-Lender Mortgage
An alternative-lender solution when your bank says no but you still qualify on equity and income.
Debt Consolidation
Roll high-interest debt into one equity-based payment.
Private Mortgage
Short-term, equity-based financing when banks can't move fast enough.
Bridge Loan
Short-term equity financing that bridges the gap between buying and selling.
Self-Employed Mortgage
Mortgage options that look at your real cash flow, not just your tax return.
Mortgage Arrears & Power of Sale
Equity-based solutions to stop power of sale and bring your mortgage current.
First Mortgage
First-position mortgages — including alternative options when banks decline.
Refinance
Restructure your existing mortgage to access equity or improve your terms.
Serving the Greater Toronto Area.
Our network of licensed lending partners works with homeowners across the GTA and Ontario.
Begin the dialogue.
Tell us about your situation. We'll route your inquiry to the licensed lending partner whose program best fits your home, your equity, and your timeline.
- ✦ Built on equity — not income or credit alone
- ✦ All credit considered
- ✦ Typical close in 5–10 business days
New here? Start with our guide on what a private mortgage actually costs in Ontario.
Frequently asked
Is Future Lending Group a lender?+
No. Future Lending Group is a referral service that connects GTA homeowners with our network of licensed lending partners. We are not a lender and not a licensed mortgage brokerage. Rates and approvals are determined by the lending partner.
What do you mean by equity-based approval?+
Our lending partners qualify primarily on the equity in your home — your home's value minus what you currently owe — rather than only on credit score or income ratios. Most look for combined mortgage debt to land at roughly 75%–80% of the appraised value.
How fast can I get funded?+
Most files close in 5–10 business days from inquiry to funding when documents are in order. Time-sensitive situations like power of sale can sometimes close faster.
Will inquiring affect my credit?+
Initial assessments are typically soft inquiries and do not affect your score. A hard inquiry only happens when a lending partner formally underwrites the file.
Which areas do you serve?+
We focus on the Greater Toronto Area — Toronto, Scarborough, Mississauga, Brampton, Vaughan, Markham and surrounding cities — and serve homeowners across Ontario.
Lending Options Across the GTA
Explore equity-based lending options by type and by city. We connect homeowners across the Greater Toronto Area with our network of licensed lending partners.