Looking for a Mortgage You Can Trust?
At TM Lending, we offer personalised mortgage solutions with a commitment to transparency and trust. Our team is dedicated to finding the perfect deal for you, even if others have turned you away.
We have over 10 years in the financial industry
We have brokered over 100 projects
We have brokered over $170M in mortgages
Use our mortgage calculator to estimate your monthly payments, determine affordability, and plan your homeownership journey. Whether you’re a first-time homebuyer or refinancing your mortgage, our tool provides personalized insights tailored to your financial goals.
1. Input Your Details:
Enter your home price, down payment, interest rate, and amortization period.
2. Customize Your Results:
Adjust the loan amount, payment frequency, and term length to suit your preferences.
3. Get a Clear Breakdown:
See your principal, interest, and overall payment schedule in real-time.
Please note that the mortgage calculator provides estimates and may not reflect the exact terms or rates you qualify for. For a precise assessment, please contact our team at TMLending.
As your reliable financial partners, we bring more than just mortgage services to the table. With connections to over 50 banks and lenders, we harness our deep expertise and extensive experience to identify the best financing solutions for you. Our mission is to help you achieve your homeownership and investment dreams throughout Ontario.
We ensure you get the most competitive rates available, helping you save money in the long run.
Our extensive network has facilitated over $150 million in loans to date.
Experience fast pre-approval, typically within 3 to 4 days, so you can move forward with your plans without delay.
With over 100 five-star Google reviews, our clients' success stories speak for themselves.
Our services span across Ontario, offering consistent and reliable loan closures throughout the region.
Our connections with over 50 lenders, including major banks, B lenders, and private lenders, give you a broad spectrum of financing options.
Experience the Difference – Unlock Your Financial Potential with TM Lending Today!
Financing for Builders Available
At TM Lending, we don’t just offer competitive mortgage rates, we partner exclusively with Tarion Licensed Builders, ensuring that every project is built to the highest standards of craftsmanship and reliability. This exclusive partnership means that you can trust your home is in the hands of Ontario’s most reputable builders.
With Tarion builders ranked among the top 10 in Ontario, you can be confident that your home is built to last.
Tarion’s warranty protects you from unexpected construction issues, so you can relax.
All builders meet Ontario’s construction license requirements, ensuring high-quality builds.
Whether you’re a homeowner or wondering how to get a builder license in Ontario, we’ve got you covered.
| Loan Type | Loan amount | Term | Interest Rates (starting from) | Origination fee | Prepayment penalty |
|---|---|---|---|---|---|
| 1st construction |
$1 Million $10 Million |
12-36 Months | 6.50% |
1.0%
2.25% |
Varies by lender |
| Development |
$1 Million
$10 Million |
12-36 Months | 6.00% |
1.0%
2.25% |
Varies by lender |
| Land Acquisition |
$500,000
$5 Million |
12-24 Months | 7.00% |
1.0%
2.25% |
Varies by lender |
| Refinancing |
$500,000
$5 Million |
12-36 Months | 6.00% |
1.0%
2.25% |
Varies by lender |
| Multi-Unit | Over $4 Million | Varies | 4.99% |
1.0%
2.25% |
Varies by lender |
| All types | Over $10 Million | Varies | TBD |
1.0%
2.25% |
Varies by lender |
Read more on Toronto’s interest rates here
Schedule a no-obligation consultation with our expert team. We’ll take the time to understand your financial goals and needs to provide personalised advice.
Based on your consultation, we’ll tailor a mortgage plan that offers the best mortgage rates in Ontario. Our network includes top private and non private lenders for mortgage, ensuring you get competitive and favourable terms.
Enjoy a seamless approval process. We work efficiently to get you approved quickly, so you can focus on what matters most – your new home or investment property.
Secure the perfect loan for your land acquisition needs, whether you're building homes, subdivisions, or commercial and industrial properties. Our expertise ensures you get the financing required to start your project confidently.
We offer swift construction financing solutions, with approvals often within 24 hours. From small projects to large-scale developments, our mortgages range from $7M to $600M, providing you with the funds you need promptly.
Transform raw land into thriving residential subdivisions, commercial buildings, or mixed-use condominiums with our tailored development financing options. Our loans, ranging from $7M to $600M, are designed to support your ambitious projects.
TM Lendings provides private mortgages for borrowers with non-traditional financial profiles, such as bad credit or self-employed individuals. They offer flexible terms, quick approvals, and competitive rates for various property types.
TM Lendings offers bridge loans for short-term financing between property sales and purchases, providing quick access to funds with flexible terms and competitive rates.
Secure the Perfect Mortgage for Your Project Today!
At TM Lending, we believe that every client’s financial journey is unique. Our personalised financial consultations are designed to understand your specific needs and goals, ensuring that we provide the most effective mortgage solutions. Whether you’re looking to purchase a home, invest in property, or refinance, our expert advisors are here to guide you every step of the way. Here’s what sets us apart:
Start Your Journey with TM Lending
No, TM Lending 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.
TM Lending 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.
After your offer is accepted, we can usually close on your mortgage in as little as 14 days. However, some loan types may require a longer closing period if they are complex or involve third parties. Please check with us to confirm the closing period before submitting your offer.
Yes, TM Lending provides refinancing solutions to help you secure better rates or access the equity in your home.
