Mortgage By Sushen

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Mortgage By Sushen

Throughout my career, I have consistently demonstrated a commitment to excellence and a deep understanding of the evolving financial landscape.

As a seasoned Mortgage Agent with a proven track record spanning over 12+ years, I bring a wealth of expertise in navigating the complexities of the mortgage industry. Professional Accomplishments: Origination Excellence: Successfully originated and closed a diverse range of mortgage loans, including residential and commercial transactions. Accomplished in structuring deals to meet the unique need

s of clients. Client-Centric Approach: Built a reputation for delivering exceptional service by fostering strong, trust-based relationships with clients. Guided countless individuals and families through the mortgage process, ensuring a seamless and positive experience. Regulatory Compliance: Stayed abreast of industry regulations, ensuring strict adherence to compliance standards. Proactively implemented changes to processes and procedures to align with regulatory updates. Leadership and Training: As a mentor and leader, I have contributed to the professional development of junior mortgage professionals, providing guidance on best practices and industry nuances. I am committed to staying at the forefront of industry trends and advancements, regularly engaging in professional development opportunities to enhance my skills and knowledge. Sushen Tharma :: Mortgage Agent Level 2
Direct : 647.338.4612
Office: 855.241.RATE (7283)
Email: [email protected]

Search Mortgage Corp. Br #12652

www.Sushen.SearchMortgage.ca

Financing the Smart Way...

21/05/2026

🏡 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐑𝐞𝐧𝐞𝐰𝐚𝐥 𝐂𝐨𝐦𝐢𝐧𝐠 𝐔𝐩?

Don’t just sign the bank’s first offer — you could qualify for a better rate, lower payments, and more flexible options.

✔ Lower your interest rate
✔ Save thousands over your term
✔ Get personalized mortgage advice tailored to your goals

Let’s review your renewal before you commit. A quick conversation could make a big difference.

📞 647-338-4612
📩 [email protected]

13/05/2026

🏡 𝐓𝐡𝐢𝐧𝐤𝐢𝐧𝐠 𝐚𝐛𝐨𝐮𝐭 𝐛𝐮𝐲𝐢𝐧𝐠 𝐚 𝐡𝐨𝐦𝐞?
𝐒𝐭𝐚𝐫𝐭 𝐰𝐢𝐭𝐡 𝐚 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐩𝐫𝐞-𝐚𝐩𝐩𝐫𝐨𝐯𝐚𝐥 𝐚𝐧𝐝 𝐬𝐡𝐨𝐩 𝐰𝐢𝐭𝐡 𝐜𝐨𝐧𝐟𝐢𝐝𝐞𝐧𝐜𝐞.

✔ Know your budget before you start searching
✔ Get competitive mortgage options
✔ Fast & stress-free process
✔ Expert guidance every step of the way

Whether you’re purchasing your first home, refinancing, renewing, or investing — I’m here to help.

📩 DM me to get started today!

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

08/05/2026

𝐘𝐨𝐮𝐫 𝐭𝐫𝐮𝐬𝐭𝐞𝐝 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐞𝐱𝐩𝐞𝐫𝐭 🏡

Helping clients with:
✔ First-Time Home Purchases
✔ Mortgage Renewals
✔ Refinancing
✔ Investment Properties

15+ years of experience helping families achieve their home ownership goals.

📩 DM “APPROVAL” to get started today.

📞 647-338-4612
✉️ [email protected]

Refinance HomeBuyers InvestmentProperty SearchMortgage MortgageBySushen

02/05/2026

Buying, refinancing, or just exploring your options?
Don’t guess your way through one of the biggest financial decisions of your life.

With 15+ years of experience and access to 50+ lenders, I help you make smarter mortgage decisions built around your goals, not the bank’s.

✔️ First-time buyers
✔️ Renewals & refinances
✔️ Self-employed solutions
✔️ Investment properties

No pressure. No hidden surprises. Just clear, honest guidance.

📞 Call/Text: 647-338-4612
📩 DM me to get started
📲 Or scan the QR code to connect instantly

Let’s build your mortgage plan together.

29/04/2026

Is Oil About to Drop… and What That Means for Your Mortgage 🇨🇦

There’s a lot of noise right now around global oil markets and potential shifts inside Organization of the Petroleum Exporting Countries (OPEC).

Here’s what actually matters for you as a homeowner or buyer in Canada:

1️⃣ If oil prices trend lower
→ Gas prices ease
→ Inflation pressure cools
→ The Bank of Canada gets closer to rate cuts

2️⃣ What happens to mortgage rates?

✔️ Variable rates:
Could start coming down once rate cuts begin

✔️ Fixed rates:
Already reacting to market expectations
→ Could trend lower before official cuts happen

3️⃣ But here’s the catch ⚠️

If oil becomes volatile (not just lower):
→ Inflation becomes unpredictable
→ Rate cuts may get delayed
→ Fixed rates can swing both ways

4️⃣ What this means for YOU

👉 If you have a variable mortgage:
You could benefit when cuts start but timing matters

👉 If you’re buying or refinancing:
This window could create strategic opportunities to lock in before the market moves

⸻

💡 Bottom Line:
Lower oil can lead to lower rates but only if inflation stays under control.

⸻

📲 Thinking of buying, refinancing, or switching your mortgage?

Let’s build a strategy based on where rates are actually heading not headlines.

DM me “RATE” or call/text 647-338-4612

Sushen Tharma
Mortgage Agent Level 2
15+ Years Experience

29/04/2026

🚨 🇨🇦 Rate Update: No Change from the Bank of Canada

The Bank of Canada has officially HELD its key interest rate at 2.25% today.

What does this mean for you?

👉 Variable mortgage holders:
No immediate change to your payments.

👉 Buyers:
This is a strategic window. Less competition now before rates eventually drop and demand surges.

👉 Homeowners / Renewals:
Don’t just accept your bank’s offer there are better options out there.

💡 Here’s the reality:
We’re no longer in a high-rate market…
We’re in a transition phase.

Smart buyers and investors are positioning NOW before the market heats up again.

📉 Waiting for rate cuts might feel safe…
But it could cost you more in the long run.

If you’re planning to:
✔️ Buy
✔️ Refinance
✔️ Renew

Let’s structure it properly based on TODAY’s market not yesterday’s headlines.

📩 DM me or call/text: 647-338-4612
📲

:::

15/04/2026

𝐖𝐡𝐚𝐭’𝐬 𝐘𝐨𝐮𝐫 𝐑𝐚𝐭𝐞 𝐒𝐭𝐫𝐚𝐭𝐞𝐠𝐲 𝐟𝐨𝐫 𝟐𝟎𝟐𝟔? 📊

Are you set up with the right mortgage—fixed or variable—for the year ahead? The answer isn’t one-size-fits-all. It depends on where inflation is headed, how central banks respond, and your comfort with risk.

Don’t leave it to guesswork—I’ll help you break it down and choose with confidence 🧠

RealEstate MortgageAgent FinancialPlanning

14/02/2026

Fall in Love with the Home… Not the Rate

Love at first sight is the house.
The rate? That’s temporary.

With home prices adjusting, this could be your moment to secure the right property — and refinance when rates improve.

💘 Date the rate.
🏡 Marry the home.

Keep your focus on long-term equity, not short-term fluctuations.

Let’s map out your approval strategy and purchasing power today.

⬇️ Find out what you qualify for

⸻

Sushen Tharma
Mortgage Agent Level 2
Search Mortgage Corp
📱 647-338-4612
📧 [email protected]

11/02/2026

Here are the latest Big 6 Bank forecasts for the Bank of Canada's policy rate. Most banks see the BoC holding at 2.25% through 2026, but 2027 views are starting to diverge. Full breakdown 👇

Source: Canadian Mortgage Trends

01/02/2026

❌ Bank said NO to your mortgage?
✅ I get deals approved.

If your file was declined by the bank due to:
• Income issues
• Credit challenges
• Self-employed income
• High debt ratios

You still have options.

I specialize in A & B lender solutions + Private strategies to help you:
✔ Buy
✔ Refinance
✔ Access equity (HELOC)

📞 Call/Text: 647-338-4612

Let’s review your file before you give up.

—
Sushen Tharma
Mortgage Agent Level 2
Search Mortgage Corp. #12652

“Built on long-standing experience navigating complex mortgage files.”

Address

Opening Hours

Monday	08:00 - 20:00
Tuesday	08:00 - 20:00
Wednesday	08:00 - 20:00
Thursday	08:00 - 20:00
Friday	08:00 - 20:00
Saturday	09:00 - 18:00
Sunday	10:00 - 17:00

Telephone

+16473384612

Website

http://www.sushen.searchmortgage.ca/

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