Mortgage Teacher London- Michael Mullis

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Mortgage Teacher London- Michael Mullis

Shop smart with Mortgage Teacher. Get the mortgage that’s in your best interest. At Mortgage Teacher, it’s not just about getting the best rates.

The Smart New Way to Shop for your Mortgage...

Finding the right mortgage can have a huge impact on your lifestyle, helping you become mortgage free sooner. At Mortgage Teacher, we educate you with an exclusive library of resources to help you make smart mortgage choices. We shop for you – at major banks, credit unions, trust companies and other lenders. We negotiate in your best interest to get you the rates and terms you want, saving you time and money. It’s about getting you the mortgage that best fits your needs.

10/28/2026

📣 BANK OF CANADA RATE UPDATE: RATE INCREASES TO 2.50%

The Bank of Canada has announced a 25-basis-point increase to its key policy interest rate, bringing it to 2.50%.
This marks the Bank's first rate increase since July 2023, as it continues to balance inflation concerns with evolving economic conditions.

🏡 What does this mean for you and your mortgage?

Whether you're a homeowner, homebuyer, or approaching a mortgage renewal, changes in interest rates are a great reminder of the importance of understanding your options.
Every mortgage situation is different, and our team is here to help you navigate these changes, explore your options, and make informed decisions with confidence.

📩 Wondering how today's announcement could affect you and your mortgage? Let's chat!

Reach out to the Mortgage Teacher team at [email protected]

10/10/2026

🍂 Happy Thanksgiving weekend!

Heading to family dinner, taking a fall walk, or enjoying a quiet morning with your coffee? It’s a great time to catch up on the Mortgage Teacher podcast. 🎧

In this episode, I’m breaking down why U.S. interest rates matter to Canadian homeowners — even when the Bank of Canada does nothing.

Because what happens south of the border can influence bond markets here at home, with implications for Canadian fixed mortgage rates.

We’re talking:�🏠 Fixed vs. variable — and what drives each�📈 Why fixed rates can rise when the Bank of Canada holds steady�💰 The mortgage renewal wave hitting Canadians�⚠️ Why waiting for your renewal letter can be an expensive mistake
If you’re buying, refinancing or approaching renewal, listen in for a clear explanation of what this could mean for you — without the economist-speak.

🎙️ Search “Mortgage Teacher” on Spotify or Apple Podcasts and catch up this long weekend!

10/10/2026

🍂 Happy Thanksgiving weekend!

Heading to family dinner, taking a fall walk, or enjoying a quiet morning with your coffee? It’s a great time to catch up on the Mortgage Teacher podcast. 🎧

In this episode, I’m breaking down why U.S. interest rates matter to Canadian homeowners — even when the Bank of Canada does nothing.

Because what happens south of the border can influence bond markets here at home, with implications for Canadian fixed mortgage rates.

We’re talking:�🏠 Fixed vs. variable — and what drives each�📈 Why fixed rates can rise when the Bank of Canada holds steady�💰 The mortgage renewal wave hitting Canadians�⚠️ Why waiting for your renewal letter can be an expensive mistake

If you’re buying, refinancing or approaching renewal, listen in for a clear explanation of what this could mean for you — without the economist-speak.

🎙️ Search “Mortgage Teacher” on Spotify or Apple Podcasts and catch up this long weekend!

09/25/2026

NEW RADIO SHOW TOMORROW🎙️

🇨🇦 Canada held rates.

🇺🇸 The U.S. just raised them.

So why should Canadian homeowners care?

Because the Fed doesn’t have to control Canadian mortgage rates to influence them.

Bond markets connect the two countries — and that’s particularly important for Canadian FIXED mortgage rates.

Tomorrow I’m breaking it down without the economist-speak.

🎙️ Mortgage Teacher LIVE
📻 980 CFPL
📅 Saturday, September 26
⏰ 10:30–11:00 AM

We’re talking:

🏠 Fixed vs. variable
📈 Why fixed rates can rise when the Bank of Canada does nothing
💰 The mortgage renewal wave hitting Canadians
⚠️ Why waiting for your renewal letter can be an expensive mistake

Can’t listen live?

🎧 Catch the podcast afterward.

📖 Full breakdown on the Mortgage Teacher blog — https://www.mortgageteacher.com/blog/why-us-interest-rates-matter-to-canadian-mortgage-holders-even-when-the-bank-of-canada-does-nothing

Don’t predict rates.

Plan for them.

09/17/2026

Happy Thank You Thursday! 👏

Brendan, thank you so much for taking the time to leave this 5-star review — and for trusting me and the Mortgage Teacher team with your 2026 renewal.

One of the things I really believe in is that your mortgage decision shouldn’t just make sense for today. It should also consider where you’re headed next.

Knowing that Brendan may be looking to relocate in the coming years meant we could have a bigger conversation about affordability, future goals, and making sure the mortgage he chose today still gave him flexibility for tomorrow.

And Brendan — you can never take up too much of my time with questions! I’d much rather have the conversations, walk through the numbers and make sure you feel confident in the decision you’re making.

Thank you again for the trust, the kind words, and the 5 stars. It was a pleasure working with you, and I’ll be here whenever you need me next!

Email us at [email protected] to get started today 📩

08/20/2026

A mortgage is more than a payment—it’s one of the biggest financial tools you’ll ever have.

Whether you’re buying your first home, refinancing, renewing, or simply wondering if your current mortgage is still working for you, the Mortgage Teacher team is here to help you understand your options and make confident decisions.

No pressure. No confusing mortgage jargon. Just honest advice, clear answers, and a team that genuinely cares about helping you move forward.

Your mortgage. Your future. Made simple.

& guess what? Our service is FREE!

📩 Have a mortgage question? Send us a message or email [email protected]—we’re always happy to help.

08/13/2026

Happy Thank You Thursday! 🏡

Reviews like this mean a lot to me.

Buying a home is a big moment, and I know the mortgage side of things can sometimes feel like a lot to navigate. Ashley and I always want our clients to feel like they can ask us anything, understand exactly what’s happening, and know they have someone in their corner throughout the process.

Thank you so much for the kind words and, more importantly, for trusting us to help you through such an important decision.

Hearing that you’re really enjoying your new home is the best part. That’s what all of this is about.

Congratulations again, and thank you for allowing Ashley and me to be part of your journey!

Ready to take advantage of our FREE service? Email us at [email protected] to get started!

07/31/2026

NEW PODCAST EPISODE IS LIVE! 🎙️

Know someone who’s thinking about buying a home? Send them this episode! 🏡

We’re breaking down what buyers need to do to get started—and why today’s market could present a fantastic opportunity in London and the surrounding area.

It’s a buyer’s market, the numbers are looking strong, and buyers may have more negotiating power than they realize.

🎧 Listen to the brand-new episode now! https://podcasts.apple.com/ca/podcast/mortgage-teacher-with-michael-mullis/id1373313215?i=1000778038905

07/30/2026

Why now? Cheaper homes AND cheaper money — a combination we don't see often. 🔑

The same home is about $217,340 less than 2022, the monthly payment is lower even at today's rates, and rents are off their highs.

Hear the full breakdown on AM 980, then run your own numbers: https://mortgage-teacher.mtg-app.com/calculators

Share this with someone who's ready to make a move 👇

07/27/2026

A quiet story behind the 2026 housing headlines.

Rates have come down — the Bank of Canada sits at 2.25%, from 5.00% — but so have prices. In London and St. Thomas, the same home that sold near $824K in 2022 is closer to $607K today.

For the 1.15 million-plus Canadian mortgages renewing this year, 44% of them in Ontario, that reframes the conversation. Renewal does not have to mean payment shock. Extending amortization, switching lenders, or rolling in improvements can all soften the jump.

If you or your clients are renewing in 2026, it is worth a proper look before signing. Always happy to talk it through.

Run your scenario: https://mortgage-teacher.mtg-app.com/calculators

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