Marshall Tully

Sharing real estate insights to save you money. $230M+ in mortgages funded. 10+ Years Mortgage Broker.

[Marshall Tully @TullyMortgages]

Owning a home in Canada is a dream most have, but if you don’t know what it takes — then you don’t know how to get there.

Here are the 4 things that determine your budget and ability to buy a home:

[Marshall Tully @TullyMortgages]

Has your tax strategy ever worked against you in a way you didn't expect?
Like this thread if you found it useful.
Comment below with your experience.

[Marshall Tully @TullyMortgages]

Your "smart" tax strategy is sabotage.
We're taught to minimize taxable income.
But that "smart" advice is actively working against your biggest personal goal: buying a home.
It’s a paradox few accountants discuss.

[Marshall Tully @TullyMortgages]

Stop viewing your tax return in a vacuum.
It isn't just a bill to minimize.
It is a KEY to unlock financing.
Sometimes paying the tax man is the price of admission for the home you want.

[Marshall Tully @TullyMortgages]

Stop treating your mortgage like a burden.
Start viewing it as a strategic tool.
If you found this perspective shift interesting, like and reply below.
What’s your take: Pay it off or invest the difference?

[Marshall Tully @TullyMortgages]

The 'debt-free' goal sounds virtuous and simple.
Yet, for many, it's a financially suboptimal path.
I am now convinced focusing solely on rapid mortgage payoff can lead to missed opportunities.

[Marshall Tully @TullyMortgages]

I’m still figuring this out honestly.
The psychological peace of no debt is real.
But is it worth the financial cost?
Often, the answer is no.
Optimization > Emotion.

[Marshall Tully @TullyMortgages]

Stop obsessing over the deposit.
Start obsessing over the qualification criteria.
If you found this helpful, like and reply.
I break down the hidden mortgage rules every week.

[Marshall Tully @TullyMortgages]

The real mortgage gatekeepers you never see.
Everyone thinks the down payment is the mountain.
It’s not.
Qualifying is the real wall...
And most people hit it at full speed.

[Marshall Tully @TullyMortgages]

The system has more layers than you realize.
Saving money is simple math.
Qualifying is complex strategy.
Don't just hoard cash.
You must learn the rules before you play.