Mortgage By Sushen

20/10/2026

🏡 Need a private mortgage?

Private 1st mortgage rates now starting at 4.95%* at 75% loan-to-value.

Private lending focuses on your property's equity, not just your credit score or tax return. It can be a smart short-term solution when the bank says no.

It may be a fit if you:
✔ Have credit challenges
✔ Are self-employed or have non-traditional income
✔ Want to purchase, refinance or consolidate debt
✔ Need a short-term bridge while you get back to a bank lender

👉 Message me "PRIVATE", call/text 647-338-4612, or visit www.searchmortgage.ca/sushentharma for a free, confidential review.

*Starting rate for qualified borrowers on a private 1st mortgage up to 75% LTV. Lender and broker fees apply; APR will be higher. Rates subject to change without notice. OAC.
Sushen Tharma, Mortgage Agent Level 2 | Search Mortgage Corp., Brokerage #12652

19/10/2026

📊 Canada’s September inflation is out: 3.1%, a bit lower than the 3.2% economists expected.

The rise came mostly from gas prices. Take gasoline out and inflation is just 2.2%. The Bank of Canada’s preferred core measure (CPI-trim) is at 1.8%, below its 2% target.

Add in 68,000 jobs lost in September, and most major banks, including RBC and TD, expect the Bank of Canada to HOLD rates at 2.25% on October 28.

What this means for you: variable rates likely stay where they are for now, but fixed rates move with bond yields, so timing still matters.

🏡 Renewal coming up or thinking of buying? DM me “RATE” and I’ll walk you through your best options.

Sushen Tharma | Mortgage Agent Level 2
Search Mortgage Corp. | Brokerage #12652
📞 647 338 4612

GTAMortgage MortgageRenewal FirstTimeHomeBuyer MississaugaRealEstate

15/10/2026

Where are rates headed in 2027? 📊

Canada's Big 6 banks have released their latest Bank of Canada policy rate forecasts, and they don't agree:

🔹 TD & BMO: holding at 2.25%
🔹 CIBC & National Bank: rising to 2.75%
🔹 RBC & Scotiabank: rising to 3.25% by end of 2027

The common thread: none of them expect rates to fall below 2.25%.

What this means for you:
✅ Renewing in the next 12–18 months? Start planning now. Locking in early can protect you if rates rise.
✅ Buying? A pre-approval can hold today's rate while you shop.
✅ On a variable rate? It's worth reviewing whether your payment could handle a 0.50%–1.00% increase.

Forecasts change, and your mortgage strategy should fit your situation, not the headlines.

📩 DM me "RATES" for a free renewal or rate strategy review.

—
Sushen Tharma | Mortgage Agent Level 2
Search Mortgage Corp. | Brokerage #12652
📞 647 338 4612

14/10/2026

🏡 Ontario homeowners — is your mortgage renewing in the next 12 months?

Before you sign your bank's renewal letter, take 10 minutes to compare. Many homeowners simply sign, and that can mean paying more than they need to for the next 5 years.

At renewal, you can:
✔ Compare offers from multiple lenders
✔ Switch lenders with no penalty at maturity
✔ Consolidate debt or lower your monthly payment

The best time to start is up to 120 days before your renewal date, so a rate hold may be available while I shop your options.

"Sushen takes all the stress out of mortgage renewals. He's extremely knowledgeable and really takes the time to explain everything clearly." ⭐⭐⭐⭐⭐ — Vic S., Google review

👉 Message me "RENEWAL", call/text 647-338-4612, or start here: https://sushenthan-tharmakulasingam.mtg-app.com

Rates and approvals subject to lender criteria. Switching may involve legal or appraisal costs. OAC.
Sushen Tharma, Mortgage Agent Level 2 | Search Mortgage Corp., Brokerage #12652

12/10/2026

Happy Thanksgiving! 🍁

This time of year always makes me stop and reflect. Every mortgage I’ve worked on has a family behind it: first homes, growing families, fresh starts, and dreams that finally came true.

To my clients: thank you for trusting me with one of the biggest decisions of your life.

To my realtor partners and lenders: thank you for working alongside me to get deals across the finish line.

From my family to yours, wishing you a warm, happy and blessed Thanksgiving. 🧡

Sushen Tharma, Mortgage Agent Level 2
Search Mortgage Corp., Brokerage #12652

📲 647-338-4612

TorontoMortgage GTARealEstate MortgageBySushen SearchMortgage HomeOwnership

06/10/2026

🏡 Ontario homeowners — turned down by the bank?

Your home equity may still open doors, even with credit challenges, CRA arrears or high-interest debt.

✔ Pay off debts with a short-term 2nd mortgage
✔ Keep your 1st mortgage — no penalty to break it
✔ Many clients move back to a bank lender within 6–12 months

⭐ 15+ years helping Ontario families. From my Google reviews:
“His knowledge, honesty, and dedication give us complete confidence every step of the way.” — Prasannia G.

📩 DM “EQUITY” for a free, confidential equity review, or call/text 647-338-4612.

Private financing costs more than bank financing. OAC. Sushen Tharma, Mortgage Agent Level 2, Search Mortgage Corp., Brokerage #12652.

MortgageAgent OntarioHomeowners GTARealEstate TorontoMortgage MississaugaMortgage CRADebt MortgageBroker

30/09/2026

🚨 WHY ARE MORTGAGE RATES UNDER PRESSURE?

Look at DIESEL. ⛽

Diesel powers:
🚜 Agriculture
🚛 Commercial transport
🏭 Supply chains

When diesel rises, costs can ripple through the economy:

DIESEL ↑
↓
TRANSPORTATION COSTS ↑
↓
FOOD & GOODS ↑
↓
INFLATION ↑
↓
BOND YIELDS ↑
↓
🔥 MORTGAGE RATES ↑

And this graph?

It’s not just about HOW HIGH diesel goes…

It’s about HOW FAST it’s moving.

📈 Diesel → Inflation → Yields → Mortgage Rates

If you have a mortgage coming up for renewal, don’t wait until the last minute.

📩 DM “MORTGAGE” and let’s review your options.

BondYields Inflation DieselPrices MortgageAdvice MortgageBySushen

26/09/2026

🚨 Bad Credit, CRA Debt or High Debt? You May Still Have Options.

Many homeowners come to me after being turned down by the bank because of:

✔️ Bad or damaged credit
✔️ CRA arrears
✔️ High consumer debt
✔️ Missed payments
✔️ Multiple outstanding debts

The good news? If you have equity in your home, there may still be a solution.

After reviewing your credit, income, debts and available equity, I can arrange a short-term private second mortgage to consolidate your debts, without breaking your existing first mortgage.

This isn’t meant to be long-term. Once your finances and credit improve (often within 6–12 months), we work on moving you back to an A-lender, where your first and second mortgages can potentially be combined into one.

👉 Have equity but your credit isn’t perfect?
DM me “EQUITY” and I’ll review your situation and walk you through your options.

📞 647-338-4612
📧 [email protected]

Sushen Tharma | Mortgage Agent Level 2
Search Mortgage Corp. | Brokerage #12652
15+ Years Experience

PrivateMortgage SecondMortgage HomeEquity CRADebt TorontoMortgage GTARealEstate

20/07/2026

🏗️ 𝗔𝗡𝗢𝗧𝗛𝗘𝗥 𝗖𝗨𝗦𝗧𝗢𝗠 𝗛𝗢𝗠𝗘 𝗖𝗢𝗡𝗦𝗧𝗥𝗨𝗖𝗧𝗜𝗢𝗡 𝗟𝗢𝗔𝗡 𝗙𝗨𝗡𝗗𝗘𝗗! 🎉

Building your dream home doesn’t have to stop because of financing.

Whether you’re:
✅ Building a custom home
✅ Running out of construction funds
✅ Purchasing land to build
✅ Completing an unfinished project
✅ Looking for private construction financing

I can help you explore financing options through our network of private lenders.

Construction Loan Features
✔️ Rates from 9.99%+*
✔️ Unlimited construction draws*
✔️ No payments during the build*
✔️ Finance up to 70% of the As-If-Complete Value (ACV)*

If your bank said no, or your project needs additional funding, let’s discuss your options.

📩 DM “BUILD” for a confidential review.

Sushen Tharma
Mortgage Agent Level 2
Search Mortgage Corp. ( #12652)

📧 [email protected]
📱
🌐 www.searchmortgage.ca

Terms and conditions apply. Financing is subject to lender approval, property appraisal, borrower qualifications, and lending guidelines. Rates, loan-to-value, payment terms, and draw structure vary by lender and project.

11/07/2026