Lesley Tenaglia, Mortgage Agent - Fuse Mortgage

Lesley Tenaglia, Mortgage Agent - Fuse Mortgage Mortgage Broker Specializing in Mortgages First Time Buyers & Co-Buying. Fuse Mortgage #13274

💼 "How much did you make last year?"If you are self-employed, that question can make you cringe. Not because you do not ...
08/12/2026

💼 "How much did you make last year?"

If you are self-employed, that question can make you cringe. Not because you do not earn enough, but because the way you report your income and the way a lender evaluates it are often two different things.

You write off your home office, your vehicle, your phone. Smart tax planning. But it can leave your taxable income looking much lower than what your business actually generates.

That is where experience matters.

Before becoming a mortgage broker, I spent years as a bookkeeper. I understand financial statements, tax returns, and how self-employed income works beyond a single line on a tax return.

Depending on your situation, we may be able to use business financials, add backs, retained earnings, or lender programs designed specifically for self-employed borrowers.

If you are self-employed and thinking about buying, refinancing, or renewing, let us look at the full picture, not just one number.

Let us talk about it. Call me.

📞 416 917 9427 | lesleysmortgages.com

• • •

🏠 Two names on the title. Not a couple.Co-buying is how a lot of people are getting into the Toronto market now. Friends...
07/23/2026

🏠 Two names on the title. Not a couple.

Co-buying is how a lot of people are getting into the Toronto market now. Friends, siblings, colleagues. You combine incomes, combine down payments, and share the mortgage.

Here's what I tell every co-buyer who calls me:

✅ Get the co-ownership agreement done before you start looking. Not after. What happens if one person wants out? What if someone's income changes? Get it in writing when everyone's still excited.

✅ Both financial profiles matter. Your co-buyer's credit, debt, and income all affect the application. You're financially connected from day one.

✅ Joint tenancy vs tenants in common — they're different structures with different implications. Ask me which one fits.

I've done a lot of these. They work when they're set up properly.

416-917-9427 | lesleysmortgages.com

• • •

The Bank of Canada held at 2.25% today. Sixth consecutive hold. Prime stays at 4.45%.Here is what I am telling clients r...
07/15/2026

The Bank of Canada held at 2.25% today. Sixth consecutive hold. Prime stays at 4.45%.

Here is what I am telling clients right now.

If you are on a variable rate, nothing changed today. Your payment stays exactly where it was. But six holds in a row is worth a conversation about whether your current structure still makes sense for what is ahead.

If your renewal is coming up, this is the window. Fixed rates are being driven by bond yields and lender competition right now, not by the overnight rate. I am seeing strong offers on 3 and 5 year terms. The best time to review your renewal is before your bank sends that letter, not after.

If you are buying, your pre-approval is still accurate. The payment we mapped out is still the payment. Stability means you are not chasing a moving target.

Next announcement is September 2.

Want to talk through what this means for you? Call me.

416-917-9427 | lesleysmortgages.com

• • •

💛 Behind every question is someone trying to make a really big decision.That's what I think about every time someone cal...
07/10/2026

💛 Behind every question is someone trying to make a really big decision.

That's what I think about every time someone calls. It's not really about the rate. It's about whether they're going to be okay.

And they're trusting me to help them make sense of it.

Eight years in, that still doesn't feel small.

— Lesley

416-917-9427 | lesleysmortgages.com

• • •

07/08/2026

Manifesting lower rates. Also comparing fifty lenders, reading
the fine print, and running three scenarios in a spreadsheet.

The universe helps those who do the math. (The candle is doing its part too.) 🕯️

🏠 The Bank of Canada held the overnight rate at 2.25% today.For the clients I work with most, the ones who've been told ...
06/10/2026

🏠 The Bank of Canada held the overnight rate at 2.25% today.

For the clients I work with most, the ones who've been told no by a bank and are working their way back, a rate hold changes very little about their path. And that's actually the point worth making today.

If you're currently in an alternative lending product, a hold doesn't move your rate. Your plan to qualify for a conventional mortgage is still built on the same timeline it was yesterday. What you do between now and your next review matters far more than what the BoC announced this morning.

Here's what that looks like practically:
✅ Two to three years in an alternative product, rebuilding credit, reducing debt
✅ A clear record of on-time payments
✅ A broker who tracks your file and brings you back to a conventional lender when the time is right

The rate holds. The path doesn't stop.

If you're wondering where you stand, that's exactly the conversation I'm here for. Call or text 416-917-9427 or visit lesleysmortgages.com. 📞

What exactly is "bruised credit" and can you still get a mortgage?Bruised credit means your credit score has taken some ...
05/17/2026

What exactly is "bruised credit" and can you still get a mortgage?

Bruised credit means your credit score has taken some hits. Late payments. A collections notice. A consumer proposal. Maybe even a bankruptcy in your past.

Here is what the bank will not tell you: there are lenders who specialize in exactly this situation.

You have more options than you think.

As a Mortgage Broker, my job is to know every option not just the ones banks offer. Let us figure out what is possible for you.

📞 416-917-9427

Your home has been working hard for decades. What if it could start working for you?If you are 55+, own your home, and l...
05/15/2026

Your home has been working hard for decades. What if it could start working for you?

If you are 55+, own your home, and looking for more financial flexibility in retirement, a reverse mortgage might be worth a conversation.

No monthly payments. Stay in your home. Access your equity.

It is not right for everyone, but for the right situation, it can be a genuine game-changer.

I will walk you through all of it! No pressure, just honest answers.

📞 416-917-9427

I have always been drawn to the clients who need me most.The ones who come in embarrassed. Who are not sure if there is ...
05/14/2026

I have always been drawn to the clients who need me most.

The ones who come in embarrassed. Who are not sure if there is any hope. Who have been turned away somewhere else and do not know where to turn.

These are not my most straightforward deals. But they are my most meaningful ones.

When someone sits across from me thinking there are no options left, and we find a path forward together — that is why I do this.

If you are in that place right now, reach out. You might be surprised what is possible.

— Lesley

📞 416-917-9427

🌸 Twins made me a mom. The chaos, the noise, the way they say my name forty times before breakfast on a Tuesday — all of...
05/10/2026

🌸 Twins made me a mom. The chaos, the noise, the way they say my name forty times before breakfast on a Tuesday — all of it.

Happy Mother's Day to every mom in the middle of the beautiful, exhausting, irreplaceable work of raising people. You're doing it. You really are. ❤️

Address

Toronto, ON

Telephone

+14169179427

Website

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