Latest Trends

Our most recent Newsletters provide an ongoing analysis on the mortgage market and outline our recommendations:

Read our previous newsletters.

Fixed vs Variable Rates

Canadian homeowners have been benefiting from ultra-low interest rates, which can change at anytime. Those in variable rate mortgages may try to gauge when the Prime lending rate might start to gradually increase toward more normal lending rates of 5% to 6%. If you are concerned the Prime might start rising at some point, do variable-rate mortgages still make sense? Of course the answer depends on your own personal situation, but there are definite compelling reasons to choose variable.  Read our analysis on the case for variable-rate mortgages when rates are rising

 Historical Mortgage Rates