Don’t click renew — here’s why

Описание: Mortgage renewals are one of the most misunderstood — and costly — decisions homeowners make.

In this episode of Mortgage Talk with M.E., Michelle sits down with mortgage professional Melissa to break down what homeowners actually need to know before renewing their mortgage.

We cover:
• When to start planning for your mortgage renewal
• Why clicking “renew” with your bank can limit your options
• Fixed vs variable — and what rate announcements really impact
• How rolling high-interest debt into your mortgage can improve cash flow
• Why the lowest rate isn’t always the best mortgage
• Bonafide sales clauses and other fine print traps
• How job changes, self-employment, and taxes affect renewals

This conversation is educational, strategic, and pressure-free — designed to help you make informed decisions that support your long-term financial goals.

👇 Have a question about your mortgage or renewal? Drop it in the comments.

📌 New Mortgage Talk episodes monthly

🔥 Welcome to Real Estate Skool & Realtor Skool with Michelle Ellis

Hi, I’m Michelle Ellis (📞613-743-5313) — a World-Class Realtor proudly serving Trent Hills, Campbellford, and broadly across Hastings & Northumberland County. I help homeowners, buyers, and sellers make smart, confident, and life-changing real estate decisions — and I train real estate professionals across the country to build thriving businesses.

“You’re always one decision away from a totally different life.”
Let that decision be guided by world-class expertise.

🏡 Real Estate Skool (For Buyers & Sellers)
📍 Visit: https://realestateskool.ca

Thinking of buying, selling, or investing? Real Estate Skool is your go-to resource for:

✅ Insider market insights and local strategies
✅ Step-by-step guides for buyers and sellers
✅ How to price, stage, and market your home
✅ Common mistakes first-time buyers should avoid
✅ Tools, calculators, and checklists to stay informed
✅ Local home tours, community spotlights, and expert tips

I simplify the process so you can move forward with confidence — no guesswork, just results.

☕ Let’s chat over coffee:
👉 https://timewithme.ca

🎓 Realtor Skool (For Real Estate Professionals)
📍 Visit: https://realtorskool.ca

If you're a Realtor looking to elevate your business and stand out in today’s market, Realtor Skool is for you.

🚀 Real-world, actionable training from an active Realtor
📲 Modern marketing & social media strategies
🎯 Done-for-you buyer & seller experience systems
📥 Templates, scripts, and workflows that convert
🎥 Video and content strategies that attract ideal clients
🧠 Mindset, motivation & leadership development to scale fast

Whether you're just starting or scaling to the next level — this is your space to learn, grow, and thrive.

🔗 Connect with Michelle Ellis
🌐 Website ➡︎ http://www.liveyourdreams.ca
📲 Facebook ➡︎ https://www.fbme.ca
📸 Instagram ➡︎ https://www.instame.ca
📞 Call/Text ➡︎ 613-743-5313
📧 Email ➡︎ [email protected]

🛠️ Key Resources for Buyers & Sellers
🏠 Homes for Sale ➡︎ https://forsalewithme.ca
📈 What’s Your Home Worth? ➡︎ https://todaysvalue.ca
📲 Mortgage App ➡︎ https://memortgage.ca
📍 Neighbourhood Finder ➡︎ https://thebuyerhub.ca
🧮 Real Estate Calculator Hub ➡︎ https://thebuyerhub.ca

🎙️ Listen to The Real Estate Show with M.E.
🎧 Spotify ➡︎ https://open.spotify.com/show/2APIGD2...
🎧 Amazon Music ➡︎ https://music.amazon.com/podcasts/6fb...

This isn’t just real estate — it’s Real Estate Skool.
And if you're a Realtor, it's time to sharpen your skills and become the professional clients rave about.
Let’s make every move the right one. 🏡🎓💼