top of page
< Back

Educational Materials/Courses

Save this article  > 

Fixed vs. variable: How not to lose this mortgage guessing game.

Robert McLister
Publication date:
June 19, 2022
Article Summary: 

The blog discusses the ongoing battle between fixed and variable mortgages, with variable rates priced an average of 184 basis points below 5-year fixed rates. However, May inflation data is expected to give over-leveraged borrowers second thoughts about variable rates. The post also discusses the bond market, which is often a more reliable indicator of future rates than experts. The author suggests that if rates are priced efficiently, it is better to focus on known factors such as the applicant’s financial situation and tolerance for payment risk, rather than trying to guess which mortgage will be least expensive. If people want to avoid the guessing game, they should consider hybrid (part fixed/part variable) mortgages.


mortgage, fixed, variable, inflation, bond market, hybrid mortgage.

Source Citation: 
Robert McLister
Fixed vs. variable: How not to lose this mortgage guessing game.
June 19, 2022
Did you find this article useful? 
Your feedback is important not only to us, but to all the other key players in the condo industry.  Help us by letting us know if this article is relevant and useful.  This will help us prioritize articles that provide helpful guidance to other key players like you. 

Please login to use this feature.

bottom of page