Tom Stone Mortgage Agent

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Tom Stone Mortgage Agent Your home is the biggest purchase you'll make. Obtaining the proper financing is key.
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Seeking expert mortgage advice with me before making the big jump is where I come in!

10/16/2026

🚨 If you want to pay MORE tax and have LESS down payment then swipe past this video. ⏭️

Waiting to open your FHSA is costing you $8,000 of room. Every year you wait, it’s gone. Which costs you tax and more down payment.

Tax-deductible in. Tax-free growth. Tax-free out for your first home. You can open it with $1.

Do it before Dec 31. Tag someone who needs to hear this 👇

Comment “FHSA” and I’ll walk you through it.

Tom Stone | FSRA

10/05/2026

💰 🏦 Your bank won’t call you 120-180 days before renewal to lock in a good rate. We will.

Rate holds cost nothing and protect you from hikes before maturity — but only if your agent already has your renewal date. Some lenders cap it at a shorter early lock instead of the full 120 days, so it pays to have someone tracking it for you.

Send us your maturity date today, even if it’s years out.

Comment “REVIEW” and I’ll add you to the list.

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

09/24/2026

POV: You’re about to sign for a car you definitely can’t afford 😅🚗
Before you do — watch this. No judgment. Just math.
The goal isn’t to stop you from buying a car. The goal is to make sure that car doesn’t quietly cost you your down payment, your investments, and your future self’s sanity.
90 seconds. Could save you thousands. 👇
Tag someone who needs to hear this BEFORE they hit the lot.
Hashtags:
 CanadianFinance WealthBuilding OpportunityCost SmartMoney TomStoneMortgages DepreciatingAsset CarDepreciation MoneyEducation FinanceTok InvestInstead BudgetTips MoneyMindset RealTalk FinancialFreedom ThinkBeforeYouSign

🏠 You’re structuring your rental income wrong.It sits in chequing. Does nothing for you.The fix: rent → your personal mo...
09/16/2026

🏠 You’re structuring your rental income wrong.

It sits in chequing. Does nothing for you.

The fix: rent → your personal mortgage. Rental expenses → a deductible line of credit on your home.

Now your mortgage gets hit from two sides — every month, plus a bigger refund.

Not a loophole. Just underused.

Own a rental? Comment “CASH.”

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

📊 Where are mortgage rates actually headed?Today: 4.39% fixed, 3.70% variable — both below the 25-year average.The forec...
09/10/2026

📊 Where are mortgage rates actually headed?

Today: 4.39% fixed, 3.70% variable — both below the 25-year average.

The forecast? Fixed climbing to ~5.72% over 5 years, variable settling near 4.90%.

But zoom out and this is nothing new. Fixed topped 8% in 2000. Variable bottomed near 2.25% in 2009 and 2021. It jumped from 2.45% to almost 7% in under two years during 2022-23.

Rate cycles are the norm, not the exception.

👉 Swipe for the full breakdown.

Want a rate strategy session? Comment “FORECAST” and I’ll reach out.

Tom Stone | FSRA
289 928 9363 | Tomstonemortgages

09/10/2026

⁉️what team are you on? Team fixed or variable?! ⁉️
MoneyMindset CanadianFinance InvestSmart TomStoneMortgages RealEstate FinanceTok MoneyEducation FinancialFreedom SmartMoney

🚨 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 c...
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.

Address

Toronto, ON

Opening Hours

Monday 8am - 8pm
Tuesday 8am - 8pm
Wednesday 8am - 8pm
Thursday 8am - 8pm
Friday 8am - 8pm
Saturday 8am - 9pm
Sunday 8am - 9pm

Telephone

+12899289363

Website

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