See what your home equity could unlock — without re-qualifying at the bank.
We connect Greater Toronto Area homeowners with our network of licensed 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.
See what your home equity could unlock
This is a possibility based on equity, not an approval or a rate quote.
Estimates only. Final loan amount is determined by the licensed lending partner based on the property, your file, and current market conditions. We are a referral service, not a lender.
Inquire about my optionsHow it works
We're a referral service. You stay in control — we connect you with our network of licensed lending partners.
Inquire
Submit your home value, mortgage balance, and what you need. Takes about 2 minutes — no credit pull to start.
We match you with a licensed partner
We route your inquiry to the licensed lending partner whose program best fits your equity, location, and timeline.
Get funded
Once you accept a written commitment, most files close in 5–10 business days through your lawyer.
Equity-based lending options we connect you with
Every option below is approved on equity — not income or credit score alone.
Access equity behind your existing first mortgage without disturbing your current rate.
Home-equity options when banks have said no because of your credit score.
Turn the equity you've already built into accessible funds.
An alternative-lender solution when your bank says no but you still qualify on equity and income.
Roll high-interest debt into one equity-based payment.
Short-term, equity-based financing when banks can't move fast enough.
Short-term equity financing that bridges the gap between buying and selling.
Mortgage options that look at your real cash flow, not just your tax return.
Equity-based solutions to stop power of sale and bring your mortgage current.
First-position mortgages — including alternative options when banks decline.
Restructure your existing mortgage to access equity or improve your terms.
Greater Toronto Area, served
Our network of licensed lending partners works with homeowners across the GTA and Ontario.
Inquire about your options
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
Prefer to talk? (647) 555-0142
New here? Start with our guide on what a private mortgage actually costs in Ontario.
Frequently asked questions
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.