Tuli Mortgage

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Tuli Mortgage Toronto Mortgage Specialist helping families and businesses with residential & commercial lending. Proudly serving , & .

Mortgage Scout Inc [FSRA #13060]
www.torontomortgagefinancing.com

I'm Tuli Parubets, a solution-based and community-focused Mortgage Agent that makes it all about you. I will provide you with expert advice to help you build a mortgage blueprint that fits your financial needs and long term financing goals. With access to a vast network of over 50 lending institutions -- including major banks, credit unions, trusts and other national and regional lenders, I have the tools to build a customized mortgage plan, with the features and options that meet your needs, whether you are:

- purchasing your first or next home
- investing in property or buying a vacation/second home
- refinancing to boost cash flow and drive down debt
- looking at options for your mortgage renewal

I serve the areas of:

- Bloor West Village
- Kingsway
- Junction
- Roncesvalles
- Parkdale
- Annex
- Bloordale
- Baldwin Village
- Liberty Village
- King West
- Yorkville
- Danforth

Contact me today for your personalized quote at 647-896-2233.

10/16/2026

Economics expects a hold on October 28. RBC’s October forecast doesn’t anticipate its first rate hike until 2027. The September inflation report, scheduled for October 19, will be especially important. What this means for mortgage holders
Variable-rate mortgages: A hold means no immediate Bank of Canada-driven change to prime.
Fixed-rate mortgages: Fixed rates can still rise because they’re influenced by bond yields, not directly by the overnight rate.
Renewals: Don’t assume a Bank of Canada hold means lenders will stop increasing fixed rates.
Homebuyers: Focus on affordability, qualifying and mortgage structure rather than trying to predict one announcement.
October 28 may be less about whether rates change and more about what Tiff Macklem signals for December 9 and 2027. Renewal is a reset. Don’t waste it.

10/13/2026

When the U.S. sneezes, Canada catches a cold. But that’s where our similarities start to end. Our economies are connected, but they are NOT identical. And neither are our banking systems.

Canada has a strong, well-regulated banking system, and our inflation story deserves to be looked at independently of what’s happening south of the border.

Strip out the volatility of gasoline prices, and Canadian inflation looks a lot closer to the Bank of Canada’s 2% target. Does Canada really need higher interest rates, or do we need to look beyond the headline inflation number? The underlying inflation is much closer to target than the headline suggests. The Bank of Canada itself has acknowledged this tension between energy-driven inflation and weaker economic growth. 

10/13/2026

Community is everything. And the Junction knows how to show up! 🎃👻

One of the things I love most about Toronto is the incredible communities within it. The small businesses, the neighbours, the volunteers and the people who give their time to make our neighbourhoods feel like home.

As a proud Torontonian, local business owner and board member of the Junction Residents Association (JRA), I love being part of something that brings people together.

And what better way than a little Halloween fun!

🎃 JRA HALLOWEEN HOWL
📅 Saturday, October 24
📍 Malta Park | 3179 Dundas St. W.

A free community event, proudly supported by local businesses, including Tuli Mortgage!

For me, supporting a community isn’t just about doing business in it. It’s about showing up, giving back, building relationships and celebrating the people who make it special.

Strong neighbourhoods don’t happen by accident. They’re built by people who care. ❤️

Come out, bring the family and celebrate our Junction community!

10/13/2026

Qualifying is harder.
Rates are higher.
War and global uncertainty are adding pressure.

And yet, people still need homes. Mortgages still renew. Life doesn’t stop because the economy is unpredictable.

The mortgage market is more complicated than it was, and navigating it requires more than finding the lowest rate.

It requires strategy, planning, relationships and options.

This is not the market to wing it.

Get advice. Get a second opinion. Make informed decisions.

10/12/2026

Happy Thanksgiving from my family to yours! I am thankful for family, for friends, this incredible city where salmons fly backwards ;)

10/09/2026

Eileen Stewart Christine Simpson JoAnne Gludish what a wonderful afternoon spent together! When I want to learn about there is no one better than the 3 of you! Verity I Toronto Women’s Club is my home away from home and I am always proud to host here! Thank you Anna & team for a fab time :)

10/07/2026

Home sales are still happening in Toronto.
But here’s what I’m finding a little concerning…

So many first-time buyers are ONLY looking for turnkey.

Perfect kitchen.
Perfect floors.
Perfect bathroom.
Move in and do nothing.

And guess what? Everyone else wants that house too.

Meanwhile, a perfectly good home that needs some non-structural TLC — paint, flooring, a dated kitchen or bathroom — may have less competition and could be an opportunity to get into a neighbourhood you thought was out of reach.

This is where Purchase Plus Improvements can be such a great tool.

Depending on the property and lender, you may be able to include the cost of eligible improvements in your mortgage rather than needing all of that renovation money upfront.

My message to first-time buyers:

Stop looking only at what the house looks like TODAY. Start looking at what it COULD look like.

You can change a kitchen.
You can change floors.
You can change paint.

You can’t pick up the house and move it to a better street.

In a market where buyers have more choice, sometimes the opportunity is the house everyone else scrolls past.

Buy the potential. Finance the improvements. Make it yours.

10/05/2026

Why should a Canadian homeowner care about U.S. job numbers?

Because our mortgage market doesn’t live on an island.

U.S. jobs → Fed expectations → U.S. bond yields → Canadian bond yields → Canadian fixed mortgage rates. Carolyn Rogers from the Bank of Canada made an important point: interest rates cannot fix Canada’s housing problem. Weak U.S. employment can take some pressure off bond yields and potentially Canadian fixed rates. Stronger data can do the opposite.

Meanwhile, the Bank of Canada is watching Canadian inflation, employment, economic growth and housing when setting its policy rate.

So what happens October 28? Bank of Canada like has a 50/50 chance!! I don’t predict rates. Especially when markets themselves are split. For buyers and homeowners, I think the conversation needs to shift from:

“What do you think rates will do?”

to:

“What can I comfortably afford today, what are my options, and what happens to my finances under different rate scenarios?”

Don’t build a mortgage strategy around a prediction.Build it around a plan.

09/30/2026

HERON Restaurant • Modern Mexican what an incredible space and so pleasantly surprised by the menu change! The fish was beyond delish but I think our favourite were the churros!!!! The crunch outside with the gooey inside is one of the best in the city!!! Thanks Paul & Paula (Bmo) for dinner :)

09/29/2026

Canada raised 7 times in 2022 and 3 more times in 2023, taking the Bank of Canada policy rate to 5%.

The Bank of England raised Bank Rate from 0.10% to 5.25% through 14 consecutive increases between December 2021 and August 2023.

The Federal Reserve raised its target range 11 times from March 2022 through July 2023, for a cumulative 525 basis points.

One important 2026 update: after subsequently cutting rates, the Fed raised again by 25 bps on September 17, 2026. So if you’re asking for every rate increase since COVID through today, the U.S. count is now 12 increases, rather than 11. Canada has not raised again through its September 2, 2026 decision, and the UK held at 3.75% in September.

Address

2320 Bloor Street West.
Toronto, ON
M6S1R6

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