Private lenders

TLG (The Lending Group) mortgage review — 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: Founded 2010
Headquarters: Toronto, ON
Products: 3 product types
Tier: Private lenders
Broker licence: FSRA #13737 broker

Start Pre-Approval See live rates 4.9 ★★★★★ Google

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

FSRA Brokerage #13737 · 15+ years · Last reviewed May 13, 2026

Where TLG (The Lending Group) stands out

Who is TLG (The Lending Group) good for?

TLG (The Lending Group) suits short-term bridge (6-18 months) while we map an A or alt-A exit and CRA debt / writ / lien that must be paid before a bank will fund. It is strongest on: Ontario coverage, Fast funding, 1st + 2nd mortgages, Transparent fee disclosure.

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 check your fit across 99+ lenders — no credit check to begin.

Overview

What kind of lender is TLG (The Lending Group)?

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.

Working across 99+ Canadian lenders, our brokerage knows TLG (The Lending Group)'s underwriting appetite — 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.

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). Here is today's market context for private lenders pricing. Your exact TLG (The Lending Group) rate depends on your file, term and insurance.

Private 1st mortgage

7.49% – 9.99%

Private 2nd mortgage

9.99% – 12.99%

Typical term

6 – 18 months

Fees disclosed

Always in writing

Full live rate board Get your exact rate

Product menu

What mortgages does TLG (The Lending Group) offer?

TLG (The Lending Group) funds 3 mortgage types. We can access its full broker-channel menu.

Private
Bridge
Refinance

Private mortgage Refinance

Bank direct vs broker channel

Should you go to TLG (The Lending Group) directly or use a broker?

TLG (The Lending Group) sells only through brokers, so a licensed brokerage like ours is the way in. We’re not employees of TLG (The Lending Group). We’re an independent FSRA-licensed brokerage that sends your file to TLG (The Lending Group) when it’s the best fit — and to a different lender when it’s not.

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

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.

How we work with TLG (The Lending Group)

Discovery
A 5-minute call about your income, credit, down payment, home and timeline. No credit check to start.
Match
We compare your file with 99+ lenders, not just TLG (The Lending Group). If TLG (The Lending Group) fits best, we go there.
Submit
We send a full package to TLG (The Lending Group)'s broker desk, set up the way their underwriters like it.
Funding
Approval, conditions, lawyer, funding. We manage every step.

Alternatives

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

Same tier, often similar rates. We compare TLG (The Lending Group) with these every time.

Empire Lending

GTA + Southern Ontario

Mandate National Mortgage

BC market depth

Tribecca Finance

GTA market coverage

By city

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

We place TLG (The Lending Group) files across Canada. Pick your city for local market context.

Toronto Vaughan Mississauga Brampton Markham Oakville Richmond Hill Burlington

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

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 do not sell mortgages direct to the public, so there is no retail rate to compare against. 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.

Pillar guides relevant to TLG (The Lending Group) files

The Refinance Decision Framework

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

Related lenders

Same broker. Different lender appetite.

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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.

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