Tom Stone Mortgage Agent

09/02/2026

🚨 Bank of Canada held rates steady again — 7 holds in a row, sitting at 2.25%. Prime is 4.45%.

Variable-rate or line of credit? No change to your payment this round.

Fixed rates follow the bond market, not the BoC — and bonds are up almost 0.50% this past week. Fixed rates could climb soon.

My take: protect your cash flow and keep a savings buffer. This isn’t a few-months problem, it’s a few-years problem.

👉 Swipe for the full breakdown.

Want a mortgage review? Comment “REVIEW” and I’ll reach out.

Tom Stone | Mortgage Agent Level 2, FSRA
289 928 9363 | Tom Stone | Mortgage Agent Level 2

08/25/2026

most sole proprietors are likely paying more mortgage interest than they have too 💰

07/31/2026

Most people think if you’re on probation, no lender will touch you…
That’s FALSE. 🙅‍♂️

Don’t let anyone tell you you’re stuck. Comment “PROBATION” and I’ll walk you through exactly which lenders work for your situation. 👇

05/15/2026

Want to turn mortgage interest into a tax deduction? 👀
Here are 3 strategies Canadians should know:

1. The Smith Manoeuvre 📈
Using a readvanceable mortgage/HELOC to invest, with the goal of converting non-deductible mortgage debt into potentially deductible investment debt over time.

2. Debt Swap 🔁
Using existing non-registered investments to pay down your mortgage, then reborrowing to reinvest — creating a clearer link between the borrowed money and income-producing investments.

3. Rental Cash Damming 🏘️
Using rental income to pay down your personal mortgage, while using a properly traced HELOC to pay rental expenses — potentially creating deductible rental interest.

Comment “TAX” and I’ll send you more information.

05/10/2026

Happy Mother’s Day to the one who keeps our little crew going. 🌸

The kids are lucky to have you, and so am I. We love you ❤️

03/20/2026

20 days ago: rate cuts
Today: rate hikes are back on the table

Most people won’t react until it’s obvious.
By then… it’s already too late.

If you’re renewing in the next 6–12 months, this matters more than you think.

Smart move right now?
Get ahead of it.

03/11/2026

03/03/2026

🏦 I’m so glad my bank reached out to me proactively midterm to save money…said NO ONE EVER! 🤣
📱 DM me if you want your mortgage monitored to save money! 💵

02/23/2026

3.59% FIXED RENEWAL/Switch Rate?!? 🤯 Want to SAVE money? 💵 LISTEN UP & DM ME!

01/23/2026

Paying extra on your mortgage could cost you $130,000.
Let’s say you have an extra $500/month kicking around.
🔹 Option A: Save 4% on your mortgage
🔹 Option B: Earn 6–7% tax-free in a TFSA
Over 25 years?
That’s about a $130,000 difference in wealth.
👇 Which option are you choosing?
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Educational only. Returns not guaranteed. Strategy depends on risk tolerance and cash flow. Please consult your financial advisor before implementing any strategy.