Private lenders

TLG (The Lending Group) mortgage — a broker's perspective

Private lender focused on residential 1st and 2nd mortgages across Ontario. Equity-based underwriting with fast funding on clean files. All fees disclosed in writing.

Founded 2010| Toronto, ON| Private lenders| FSRA #13737 broker

TLG (The Lending Group) website

Founded

2010

Headquarters

Toronto

Products

3 types

Tier

Private lenders

Reviewed by

Mortgage Squad Advisors Editorial Team · Licensed Mortgage Advisors · Reviewed under the Principal Broker

FSRA #M08006059 · 20+ years · Last reviewed May 13, 2026

Overview

Who is TLG (The Lending Group)?

Private lender focused on residential 1st and 2nd mortgages across Ontario. Equity-based underwriting with fast funding on clean files. All fees disclosed in writing.

TLG (The Lending Group) sits within the private lenders tier of Canada's mortgage market. Individual lenders + smaller MICs. Equity-based, fast funding, used as 6-18 month bridges. All fees disclosed in writing.

From thousands of funded files across 99+ Canadian lenders, our brokerage has placed thousands of mortgages with TLG (The Lending Group) and we know their underwriting appetite intimately — what they say yes to, what they push back on, and what file structure gets a clean approval the first time. TLG (The Lending Group) is institutional private capital with proper compliance and transparency — used as a bridge while we map your file's exit to A or alt-A.

Where TLG (The Lending Group) stands out

What we send to TLG (The Lending Group).

From thousands of funded files across 99+ Canadian lenders, here’s what we know about TLG (The Lending Group)’s preferences.

Ontario coverage

Fast funding

1st + 2nd mortgages

Transparent fee disclosure

Live rate context

TLG (The Lending Group) rate context — May 13, 2026

We can't publish lender-specific rates by name (lender confidentiality + daily-changing rate sheets), but here’s the live market context for private lenders pricing today. Your actual TLG (The Lending Group) rate depends on file strength, term, insurance status, and product family.

Private 1st mortgage

7.49% – 9.99%

Private 2nd mortgage

9.99% – 12.99%

Typical term

6 – 18 months

Fees disclosed

Always in writing

Product menu

TLG (The Lending Group) funds these mortgage types

As a broker we access TLG (The Lending Group)’s full broker-channel product menu. Explore the relevant product page for your file.

PrivateBridgeRefinance

Private mortgage Refinance

Our process

How we work with TLG (The Lending Group)

We’re not employees of TLG (The Lending Group). We’re an independent FSRA-licensed brokerage that submits files to TLG (The Lending Group) on your behalf when they’re the best fit — and to a different lender when they’re not.

Discovery

5-minute call to understand your file — income, credit, down payment, property, timeline. No bureau pull to start.

Match

We benchmark your file against 99+ lenders' appetite, not just TLG (The Lending Group). If they're the best fit, we go there. If not, we go elsewhere.

Submit

Full document package to TLG (The Lending Group)'s broker desk — structured the way their underwriters want to see it for clean first-time approval.

Funding

Conditional approval → conditions cleared → lawyer instruction → funding. We project-manage every milestone end-to-end.

File-fit guidance

Is TLG (The Lending Group) a good fit for your file?

Honest take from thousands of funded files. We send the right file to the right lender — not the loudest one.

Strong fit for

✓Short-term bridge (6-18 months) while we map an A or alt-A exit
✓CRA debt / writ / lien that must be paid before a bank will fund
✓Power-of-sale rescues with equity but no income proof
✓Equity take-out where banks decline due to credit or income

Probably not the right fit if

!Borrowers without a clear exit plan to A or alt-A
!Files where the equity cushion is thin (under 25% home equity)
!Long-term holds — private is bridge debt, not a 5-year solution

Not sure where your file fits? Start a free pre-qualification and we’ll diagnose your fit across 99+ lenders — without a bureau pull to begin.

Alternatives

Other private lenders we shop alongside TLG (The Lending Group)

Same tier, often comparable rates. We benchmark TLG (The Lending Group) against these every time.

Tribecca Finance

GTA market coverage

Empire Lending

GTA + Southern Ontario

Mandate National Mortgage

BC market depth

By city

TLG (The Lending Group) mortgage broker — major Canadian cities

We place TLG (The Lending Group) files across Canada. Tap your city for local market context and start a pre-qualification with your file in mind.

Don’t see your city? Browse all Canadian markets — we lend nationally.

Bank direct vs broker channel

Going direct to TLG (The Lending Group) vs. through us

Same lender, different access points. Here’s what changes when you go through a broker.

Aspect	Direct with TLG (The Lending Group)	Through Mortgage Squad Advisors
Rate sheet	Broker-channel only — no direct retail access	Direct broker-channel access — our day-one cost
Lenders shopped	Just TLG (The Lending Group)	99+ lenders incl. TLG (The Lending Group)
If declined	Application ends; reapply elsewhere	Re-route to next-best lender same day
Cost to borrower	$0 — bank pays its own staff	Disclosed up front (private/alt files only)
Underwriting strategy	TLG (The Lending Group)'s lens only	We structure your file to TLG (The Lending Group)'s preferences before submission
Renewal benchmarking	TLG (The Lending Group) sends a single offer; you accept or counter	We benchmark across 99+ lenders 120 days before renewal

Same TLG (The Lending Group) loan documents. Different shopping power. Start a pre-qualification to see what your file looks like across 99+ lenders.

FAQ

TLG (The Lending Group) — common questions

Don’t see yours? Ask Maya.

What are TLG (The Lending Group)'s current mortgage rates in Canada?

TLG (The Lending Group)'s rates change daily and are channel-specific — branch rates differ from broker-channel rates. As a brokerage we access TLG (The Lending Group)'s broker-channel sheet, typically 15-30 bps below their walk-in rate. Our live rate board (last reviewed May 13, 2026) shows current best-in-network across 99+ lenders. See our live rate board.

How do I qualify for a mortgage with TLG (The Lending Group)?

Standard Canadian qualifying: 5%+ down (under 20% requires CMHC/Sagen/Canada Guaranty default insurance), OSFI B-20 stress test at the higher of contract rate + 2% or 5.25%, GDS ≤ 39% and TDS ≤ 44%. TLG (The Lending Group)'s underwriting has specific preferences we know from working with them — we'll tell you whether your file is a strong fit before submitting.

Is TLG (The Lending Group) a good mortgage lender?

TLG (The Lending Group) is genuinely strong on: Ontario coverage, Fast funding, 1st + 2nd mortgages. As your broker we evaluate TLG (The Lending Group) against 99+ other Canadian lenders for your specific file — sometimes they're the best fit, sometimes a different lender is. The honest answer depends on your file profile, not the lender's marketing.

Can I switch to TLG (The Lending Group) at renewal?

Yes, if your file qualifies. A transfer-in at renewal typically costs you $0 — TLG (The Lending Group) covers the discharge fee from your old lender and the appraisal as a transfer incentive. We benchmark TLG (The Lending Group)'s offer against your existing lender's renewal rate and the broader market 6 months before renewal so the switch (or stay) is timed properly.

Does TLG (The Lending Group) work with self-employed borrowers?

TLG (The Lending Group) focuses on standard A-lender files. For self-employed borrowers we'd typically place at a specialty BFS lender (Home Trust, Equitable, RFA, Haventree) and refinance to TLG (The Lending Group) once 2 clean NOAs accumulate. See our self-employed mortgages.

How long does TLG (The Lending Group) take to approve a mortgage?

TLG (The Lending Group)'s commitment turnaround on a clean broker-channel file is typically 24-72 hours from submission. Complex files (BFS, foreign income, atypical down payment) can take 5-10 business days. Conditional approval to funding is usually 14-30 days depending on appraisal, lawyer, and conditions.

What's the difference between TLG (The Lending Group) branch rates and broker rates?

TLG (The Lending Group) is broker-channel only — they don't operate retail branches, so there's no "branch rate" to compare to. Their entire pricing comes through licensed brokers.

Does TLG (The Lending Group) offer pre-approvals?

Yes — TLG (The Lending Group), like all major Canadian lenders, offers rate holds (typically 90-120 days) for pre-approved borrowers. We can submit your file to TLG (The Lending Group) for a real underwritten pre-approval, not just a soft rate-hold. This means if rates rise you're locked, and if they fall most lenders honour the lower rate. Start your pre-approval here.

What prepayment privileges does TLG (The Lending Group) offer?

Most major Canadian lenders including TLG (The Lending Group) offer 15-20% annual lump-sum prepayment plus 15-20% payment-increase privileges per anniversary year. The exact privilege depends on the specific product family (insured/insurable/conventional) and term selected. We disclose the privileges and IRD calculation method up front so you know your exit cost before you sign.

What if TLG (The Lending Group) declines my mortgage application?

As a broker we don't single-submit — if TLG (The Lending Group) declines, we have 98+ other lender options across A-tier, alt-A, MIC, and private. We'll diagnose the decline reason (credit, income, LTV, property type, beacon), fix what's fixable, and re-strategize. A bank decline ends your bank application; with us, it's one route taken off the map and we pivot.

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Editorial commitment

This page is an editorial profile written from our brokerage’s perspective. We are not employed by TLG (The Lending Group) and receive no payment from TLG (The Lending Group) for this content. We compensate-disclose: on A-lender files the lender pays our brokerage compensation, and we earn the same regardless of which A-lender funds your file — so our recommendations are rate-agnostic. Rates and program details are reviewed quarterly; last reviewed May 13, 2026.

Pillar guides relevant to TLG (The Lending Group) files

In-depth playbooks paired with the product types TLG (The Lending Group) funds. Free, no email required.

The Refinance Decision Framework

Refinancing isn't always a win. This guide gives you the spreadsheet we use internally: penalty + fees vs. monthly savings + break-even, with three worked scenarios (rate drop, debt consolidation, equity take-out).

Read guide

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Get the best rate from the best-fit lender.

5-minute pre-qualification. No bureau pull to begin. We model your file against 99+ lenders — including TLG (The Lending Group) — and recommend the right one for your file.