Who we are
Future Lending Group is an Ontario-based referral and connector service focused on home-equity-based mortgage solutions across the Greater Toronto Area. We do not lend money and we do not arrange, negotiate, or commit lending on behalf of any borrower or lender. Instead, we operate as a front-door information and triage service that routes homeowner inquiries to licensed lending partners whose programs match the homeowner's situation.
Our licensed-partner model
Every lending partner in our network is licensed under Ontario's mortgage brokering regime and regulated by the Financial Services Regulatory Authority of Ontario (FSRA). That regulation governs the licensing of mortgage brokers, agents, brokerages, and administrators that originate and administer private mortgages in Ontario. When we refer your file to a partner, the licensed brokerage owns the commitment, the rate, the fees, and the borrower disclosures required by FSRA.
Why we exist
Most Ontario homeowners only meet their bank's mortgage department once every five years, at renewal. When the bank says no — for credit, income documentation, a recent life event, or simply a property the bank doesn't like — the alternative-lending landscape can feel opaque and intimidating. Our job is to make it clearer: explain how equity-based qualification actually works, show market-typical rate and fee ranges, and connect you with a licensed lending partner whose program fits your situation.
What we are — and aren't
- We are a referral and connector service.
- We are not a lender. We do not fund mortgages.
- We are not a licensed mortgage brokerage. We do not arrange, negotiate, or commit lending on behalf of a lender or a borrower.
- The lending partners we refer to are licensed under Ontario's mortgage brokering regime, regulated by FSRA.
How we work
- Listen. You tell us your home value, mortgage balance, the amount you need, and the timeline.
- Frame. We explain the equity-based math and the market-typical rate and fee ranges so you can compare offers fairly.
- Refer. We route your inquiry to a licensed lending partner whose program is the best fit.
- Stay in your corner. The lender owns the commitment, the rate, and the terms — but we'll help you read what arrives.
Service area
We focus on the Greater Toronto Area — Toronto, Scarborough, Mississauga, Brampton, Vaughan, Markham and surrounding cities — and serve homeowners across Ontario.
Get in touch
Phone: (647) 555-0142
Email: info@futurelendinggroup.ca
Hours: Monday–Friday, 9:00 AM – 7:00 PM ET. Saturday, 10:00 AM – 4:00 PM ET.
See our Contact page for full address and details, or read our Ontario Private-Lending Rate & Fee Index (2026) for current market context.