Tuli Mortgage

06/04/2026

“I can’t afford it.”

That’s one of the most common things I hear from renters who are thinking about buying a home.

My next question is usually:

“Have you done a pre-approval?”

More often than not, the answer is no.

The reality is that affordability isn’t always what we think it is. Maybe you can’t afford your dream home today. But could you afford a condo? A co-op? A property that needs some work? A cottage? A home in a different neighbourhood or city?

Until you know your numbers, “I can’t afford it” is just a feeling — not a fact.

A pre-approval won’t magically make homes cheaper, but it will replace assumptions with information and help you understand what options actually exist.

Don’t let uncertainty make the decision for you.

Find out first. Then decide.

06/02/2026

Technical recession ≠ economic crisis
A technical recession simply means two consecutive quarters of negative GDP growth. In this case the decline is very small. It’s nothing like the 2008 financial crisis or even the COVID shutdowns. Canada may be in a technical recession, but bond yields have actually moved higher recently.

Why? Because markets are still focused on inflation risks, government spending, and global uncertainty. A technical recession alone doesn’t guarantee lower rates.

For borrowers, that means:

➡️ Variable rates remain tied to future Bank of Canada decisions.
➡️ Fixed rates remain tied to bond yields.
➡️ A slowing economy doesn’t automatically mean cheaper mortgages.

The economy may be cooling, but inflation hasn’t completely left the conversation.

06/01/2026

Let’s normalize planning mortgages around net income, not gross.

Whether taxes come off your paycheque automatically or you have to set them aside yourself, that money was never really available for lifestyle or housing.

Because being house poor doesn’t just strain your budget — it strains your peace.

A home should support your life, not consume it.

05/31/2026

05/29/2026

10 Mortgage Strategies Most Homeowners forget or do not know about!

1. Structure Matters
Not all mortgage debt is the same. Certain strategies can make interest tax-deductible when used properly.

2. Don’t Auto-Renew
Your lender’s renewal offer is often their opening offer, not necessarily their best one.

3. Use First-Time Buyer Programs
FHSA + RRSP Home Buyers’ Plan + tax rebates can significantly boost your down payment.

4. Breaking a Mortgage Can Sometimes Save Money
A penalty doesn’t automatically mean “don’t do it.” The math may favour a switch.

5. Put Your Equity to Work
Home equity can be used for renovations, debt consolidation, investments, or helping family.

6. Think Beyond the Mortgage
The right mortgage structure can support long-term wealth-building strategies.

7. Use Your Prepayment Privileges
Even occasional lump-sum payments can save years of payments and thousands in interest.

8. Ask About Penalties Before You Sign
A slightly lower rate may not be worth it if the penalty to break is massive.

9. Cash Flow Is King
The best mortgage isn’t always the lowest rate—it’s the one that fits your life and goals.

10. Advice Matters More Than Product
Most mortgages look similar on the surface. Good advice is what helps you avoid costly mistakes.

A mortgage isn’t just a rate. It’s a strategy.

05/26/2026

I am an unapologetic Toronto lover! What I love most about Toronto isn’t just the skyline (CN tower is an obsession ;))

It’s our boroughs. Torontonians think differently!
Our villages.
The way every neighbourhood feels like its own little world with its own heartbeat.

It’s the Portuguese bakeries beside Jamaican patties.
The family-run Italian spots beside Tibetan momos, Korean BBQ, Greek souvlaki and late-night pho.

It’s our parks, ravines and waterfront trails woven into city life.
The cherry blossoms in High Park.
Summer nights by the lake.
Kids playing soccer in neighbourhood parks while families gather nearby.

It’s hearing different languages while walking down one street.
It’s neighbours from everywhere somehow building community together.

Toronto isn’t perfect.
But its multicultural soul is what makes it magic.

Different neighbourhoods.
Different cultures.
One incredible city.

I make neighbours out of my clients! Let’s make you a homeowner! Calendly.com/torontomortgage is the link to my schedule!

05/25/2026

Global events may feel far away, but they can impact Canadians quickly through the bond market.

If tensions around the Strait of Hormuz continue, rising oil prices can increase inflation concerns and push government bond yields higher. Since fixed mortgage rates are heavily influenced by Canada’s 5-year bond yield, that could place upward pressure on fixed rates.
3.99% to 4.24%

For variable rates, the Bank of Canada will likely continue watching inflation, economic growth, and consumer spending closely before its next announcement. Higher energy prices can complicate that outlook.
3.65% to 4.2%

This is why global headlines sometimes end up impacting decisions much closer to home. What side of the rate debate are you on???

Calendly.com/torontomortgage is the link to my schedule, book a call.

05/20/2026

I’d like a top fan award please ;) Chef oof the spin on the old chilli shrimps was the vibe today! Rojda’s service, meeting the chef … it’s been a wonderful day spent with .to .says.sold … again I’m incredibly sorry to see you go. I’ll be back again next week for the sexiest chowder in town!

05/19/2026

Saw the sign going up and now they are open (former Healthy Moms)! The blue dress at the window called my name but I was rushing! I’ll be by :) .ca welcome to our hood :)