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+ Years

We have over 7 years in the financial industry



+ Projects

We have brokered over 100 projects



+ Million

We have brokered over $170M in mortgages



TM Lending serves as your one-stop shop for all your financial needs. With access to over 50 banks and lenders, we provide convenient financing options for our clients throughout Ontario.

Our cost-effective loans

We provide the lowest rates possible.

Our rich partnerships

We currently work with over 50 different lenders. Our roster of lenders includes: Banks, B lenders, Private lenders, and more.

Our direct access to capital

We have facilitated over $150 million in loans to-date. We are passionate about our ability to provide borrowers with unlimited access to capital.

Our customized loan products

We specialize in creating loan products that are tailored to the individual needs of builders and investors in Ontario. We have extensive experience in this area and are proud to have worked with many clients in the region.

Our quick financing

Pre-approval is available within 3 to 4 days.

Our outstanding reputation

We currently have over 100 5-star Google reviews.

Our Ontario-wide lending

We have closed loans all over Ontario and are always looking to expand our services.

Financing Solutions Geared Towards Investors And Builders

At TM LENDING, we are dedicated to helping builders and investors find the best loan structure and financing solutions for their needs. From first-time investors to experienced professionals, we offer a variety of financing options and will be with you every step of the way. Our services include:

View Our Recent Projects

Find the most suitable mortgage for your ideal project.


Loans available from $5M to $600M.

 Our trusted partners and lenders are willing to provide loans for amounts as low as $5 million and as high as $600 million, depending on the borrower’s specific financial situation and borrowing requirements.


We’ll negotiate the best financing to get you started on your next project.

Comprehending your financial needs is the key to achieving your goals and making informed decisions. Understanding your financial situation and what you need to do to improve it can help you create a solid plan for the future.


Hao M Tran
Hao M Tran
Esi is excellent as always since this is my third time refinancing with him. He kept the promise as he said to me from the initial assessment. Thank you and highly recommend!
kamrad keyhani
kamrad keyhani
I was in a time crunch to get my mortgage refinanced as rates kept skyrocketing. I called Essi to help me as soon as possible. He received all my documents and started right away. A few days later he called me and told me the mortgage that he had got for me. It turned out that it was an approval from a reputable and top lender in the city. Not only that, he managed to get me the lowest rate possible saving me thousands of dollars. I would highly recommend him if you are in need of a new mortgage, refinancing or even a construction loan. Call him up, he will help you
Saba Kh
Saba Kh
I would highly recommend Esi if you’re looking for a mortgage or loan. He got our mortgage approval pretty quickly. I was worried that I may have to cancel my vacation to be present for the paperwork, but he managed to finalize everything before my vacation.
Azar Borghei
Azar Borghei
Esi is an amazing mortgage advisor. He went above and beyond to secure a loan for my new home with the best rates! He is always reachable and responds promptly to questions and concerns. I was worried that I don't get approved for a mortgage during these challenging times, but Esi reassured me that he can do it and stayed TRUE TO HIS WORDS! He is respectful, very professional and effective in his communication with others. He makes the impossible possible! I highly recommend him for any mortgage advice. If everyone has told you that you can't get a mortgage, talk to Esi and he will find a way...
Z Bahmani
Z Bahmani
Its always a pleasure working with Esi. Very professional , Integrity & punctual . We will recommend him to our clients , Friends and family .
Naghmeh Amin
Naghmeh Amin
Very reliable responsible and professional
Alireza Davari
Alireza Davari
I worked with Mr. Esi long time ago and he is very professional and honest. he helped me with my need and i was very satisfied with his servise. I highly recommed to to consider him for your mortgage need. Thank you Mr. Esi for your servise
Fariborz Gilani
Fariborz Gilani
Esi is very knowledgeable, methodical, responsive and hard working. All the criteria you need and should look in a responsible mortgage broker. I surely recommend him and will work with him again. Thank you Esi
Sia Heating & Cooling
Sia Heating & Cooling
من دوبار با ایشون وام مسکن گرفتم و میتونم بگم دوتا از بهترین و ساده ترین وامهایی بودن که بین کلا 6 وام داشتم بسیار حرفه ای و مسلط به کار با احترام و همیشه در دسترس توضیحات کامل و کوتاه هستن روابط عمومی خوب و مسلط در مکالمات
Maria Nocera-Alba
Maria Nocera-Alba
Esi has made this process such an easy and stress free one! If you are looking for someone with fast reply times, great work, and open communication, he is definitely the best person for the job. Will definitely reccomend him to everyone I know, and will use him again.


No, TMLENDING is not a direct lender. Founder Esi Ghassemi is a licensed mortgage broker with experience in the Residential and Commercial/Investment Construction sector. We cannot provide quotes for rates or terms, but our network of 50+ lenders can provide exact rate and term information.

TMLENDING specializes in mortgage lending in the Greater Toronto Area, Kitchener-Waterloo, and Niagara regions of Ontario. We have also funded deals in other parts of the province. To find out more, please visit our mortgage lending guidelines page.

TMLENDING typically funds mortgage deals between $5M and $600M.

No, we do not exclusively work with private lenders. We collaborate with Banks, Credit Unions, B lenders, and also private lenders.

The mortgage application process is affected by one’s credit score. Those with high scores will be rewarded with more favourable rates due to their history of repayment. Those with fair to good credit scores may only be eligible for higher mortgage rates.

This can vary depending on the specifics of the loan and the amount borrowed, but it usually takes between one week and three months.