Tom Stone Mortgage Agent

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.

10/11/2025

🚨 MERIDIAN MORTGAGE HOLDERS🚨

10/09/2025

🚨 Anyone who got a 5-Year Fixed in mid to late 2023…LISTEN UP(or SEE BELOW)🚨

💰 Potentially massive SAVINGS opportunity for the following 5-Year Fixed Rate mortgages:

🏦 Scotia
Maturity Date ➡️ May 9 – Sept 14, 2028
(Submission Date: N/A)

🏦 TD
Maturity Date ➡️ May 9 – Dec 18, 2028
(Submission Date: July 27, 2023 or earlier)

🏦 RBC
Maturity Date ➡️ Apr 8 – Nov 11, 2028
(Approval Date: June 27, 2023 or earlier)

🏦 BMO
Maturity Date ➡️ May 9 – Nov 28, 2028
(Approval Date: July 4, 2023 or earlier)

🏦 CIBC
Maturity Date ➡️ May 8, 2028 – May 8, 2029
(Submission Date: N/A)

🏦 National Bank
📩 Reach out if you have anything with National Bank!

💡The reason is because of how lenders calculate their penalties, which are based on posted rates. Posted rates are higher than they should be, meaning lower penalty. If posted rates drop, penalties will increase.

💬DM me if you want a FREE Mortgage Analysis!

07/19/2024

⏱️ It doesn’t matter to me when you decide to buy—whether it’s next month or ten years down the road.

☝️ I’ve been assisting these first-time homebuyers for the past two years.

💰 They’ve been patiently building their down payment funds and waiting for the perfect buying opportunity.

👏 I’m thrilled for you and grateful to be part of this journey with you!

💻 No matter when you choose to buy, I’ll provide comprehensive mortgage analysis to help you achieve your home-buying goals.