Marshall Tully, Mortgage Broker

Marshall Tully, Mortgage Broker A mortgage broker that educates home buyers in financing their home with confidence while saving the

I am a local mortgage broker located in the downtown Toronto neighbourhoods of Cabbagetown and Regent Park. Unlike your bank, the lowest rate is something all our clients get right out of the gate. I pride myself on advising and educating my clients on all the details that affect their mortgage transaction. I believe that everyone deserves to truly understand the intricacies of the products they a

re choosing. This is one of the biggest financial decisions of your life, let me help you navigate the process with confidence.

01/16/2026

I see this all the time during renewals.

People feel pressure to chase the lowest rate — even when the difference is tiny.

This week, a homeowner was stressed about choosing between 3.94% and 3.89%. What most people miss is that switching lenders often means income verification, credit checks, and appraisals — all to save about $10 a month.

Not every mortgage decision needs to be complicated. Sometimes the simplest option is the right one.

If your mortgage renews in 2026, I’m hosting a Mortgage Renewal Masterclass on January 28.

Comment WEBINAR and I’ll send you the link to register.

Most people asking “Should I buy in 2026?” are asking the wrong question.The better one is: Am I positioned to take adva...
01/15/2026

Most people asking “Should I buy in 2026?” are asking the wrong question.

The better one is: Am I positioned to take advantage of what this market is actually offering?

Condos and detached homes are behaving very differently.
Negotiation power has shifted to buyers. And policy changes are quietly opening doors most headlines aren’t talking about.

I broke all of this down in this week’s newsletter — including:
• where real opportunity exists
• why list price doesn’t matter anymore
• and how to decide based on your life, not the noise

If you want deeper clarity:
📩 Subscribe to the newsletter (link in bio)

And if your mortgage is renewing soon:
📅 I’m hosting a free 2026 Mortgage Renewal Masterclass
Comment WEBINAR and I’ll DM you the RSVP link.

01/14/2026

A lot of people don’t ignore their credit because they don’t care — they avoid it because they’re overwhelmed.

The truth? You don’t need a perfect plan to start.
You need clarity on what’s dragging your score down, a few smart adjustments, and patience while positive history rebuilds.

Taking action sooner is often the hardest part… and the most powerful one.

Most mortgage renewals don’t go wrong because of the rate.They go wrong because people treat them like paperwork.2026 is...
01/08/2026

Most mortgage renewals don’t go wrong because of the rate.

They go wrong because people treat them like paperwork.
2026 is shaping up to be one of the most complex renewal cycles we’ve seen in years:
• Shorter amortizations
• Higher payments
• Lenders quietly pricing in “loyalty” premiums
• Homeowners signing before understanding their options

This isn’t about panic — it’s about preparation.
I break down what’s actually happening (and how to protect your cash flow) in my newsletter, where I explain:
– when switching makes sense
– when refinancing helps
– and when staying put is actually the right move

📩 Subscribe to the newsletter for the full breakdown.
🎓 Renewing in 2026? Comment WEBINAR and I’ll DM you the link to my renewal masterclass.

01/07/2026

Most Canadians walk into the fixed vs. variable conversation with the wrong mental model.

Fixed rates feel “safe,” but when you’re shopping, they move daily because they’re priced off bond yields.
Variable rates feel risky, but before you commit, they’re relatively calm — the Bank of Canada only makes changes 8 times a year.

So this decision isn’t about which option is risky.
It’s about when the volatility shows up.

Once you understand that timing, the choice becomes much clearer.

👉 Comment READY and I’ll help you compare fixed vs. variable based on your situation.

01/05/2026

Your bank qualifies you using one lending box. A broker can assess 40+ lenders, each with different rules for:

• income
• bonuses / commissions
• self-employment
• rental income
• debt treatment

Same borrower. Same numbers. Very different outcomes.
That’s not opinion — it’s policy.
If you want a second look before committing, comment READY.

A new year is a chance to reset and refocus.Big goals are great, but real change doesn’t come from one big decision on J...
01/01/2026

A new year is a chance to reset and refocus.

Big goals are great, but real change doesn’t come from one big decision on January 1st.

It comes from the small choices you make every day — the habits, the discipline, the tiny improvements that compound over time.

Don’t overthink the end goal.
Focus on the next right step, taken consistently.

Those small daily changes are what quietly create massive results over the year ahead.

Wishing you a healthy, focused, and fulfilling year.

12/31/2025

5 things you can do now to get ahead in 2026

1️⃣ Know your numbers
Before rates, before listings — understand your income, debts, credit score, and monthly comfort zone. Clarity = leverage.

2️⃣ Clean up your credit
Small moves now (on-time payments, lower balances, fewer applications) can mean better options next year.

3️⃣ Get pre-approved before you “need” it
A pre-approval isn’t a commitment — it’s a strategy. It shows you what’s possible and lets you move fast when timing is right.

4️⃣ Build a smart down payment plan
Whether it’s savings, bonuses, or first-time buyer programs, a plan beats guessing every time.

5️⃣ Talk to a broker sooner than laterThe biggest advantage buyers have? Information. The earlier you ask questions, the more options you create for yourself in 2026. Want to map out your path? Comment READY and I will send you a link to book time in my calendar.

12/29/2025

Your home-buying budget can jump — or drop — overnight.
And it has nothing to do with your income.

Rates change.
Stress-test rules shift.
Lenders quietly update policies.

Your buying power moves whether you want it to or not.

The good news?
You have levers too.

Adjusting debt structure, amortization, down payment strategy, or even lender choice can move your budget faster than a raise.

Your budget isn’t fixed.
Learn how it moves — and you control the outcome.

👉 Comment READY to find out where your buying power actually sits today.

As the year winds down, this is a good reminder to slow things down.To step back, reflect on the year that was — the win...
12/24/2025

As the year winds down, this is a good reminder to slow things down.

To step back, reflect on the year that was — the wins, the challenges, the lessons.

More than anything, it’s a time to be present.
To put work aside, enjoy the moments that matter, and spend real, focused time with the people we love.

Wishing you and your families a peaceful, happy holiday season. ❤️

Address

107-68 Claremont Street
Toronto, ON
M6J2M5

Opening Hours

Monday 10:30am - 5pm
Tuesday 10:30am - 5pm
Wednesday 10:30am - 5pm
Thursday 10:30am - 5pm
Friday 10:30am - 5pm

Telephone

+14165615432

Website

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