Fixed or Variable - What Is The Best Mortgage For You?

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We had a good read. For the benefit of yourself. Be sure to read to the end. I want you to get good knowledge from Mortgage Interest Rates Today . mortgagelocator.ca In this video I explain the rationale for choose a fixed or variable mortgage in Canada. Hi everybody, its Rowan Smith from The Mortgage Centre. Im going to tackle the biggest question I get every day: should I get fixed, or should I take variable, and whats going to happen. I dont have a crystal ball, but I do have several years in the industry it adds up to about 10 and while I havent seen the 80s since I was a kid, I do remember what was going on at those times and Ive still dealt with many clients that have told me stories. Heres my opinion, for what its worth, and what I think you should be looking at: First off, which strategy is best? It depends on your situation. Anybody that say otherwise is not worth the license on the wall. Your unique financial position dictates whether or not a variable rate is an option for you, and it dictates whether you should be taking a fixed rate. Picture two people in exactly the same situation with mortgage amounts and income that are the same. The thing is: one guy is a commissioned person. The second guy makes a base salary. Obviously, the person that makes a base salary, that makes that amount of money can know its going to be there. The guy with the commissions doesnt know that. Now, if they had to stretch, or even worse, if they needed the variable rate mortgage in order to qualify for that in the first place. If they need to take variable, so they know they can afford it, well, variable rates change. Rates ...

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