For the first time in three years, variable rates are cheaper than fixed, and inquiries have tripled. But the same day the Bank of Canada cut rates, bond yields spiked, and Scotiabank is now forecasting rate HIKES in 2026. With only a 34 basis point spread between variable and fixed, this might be the tightest decision you'll ever make. In this episode, I break down the real math, the actual risks, and give you a framework to decide what's right for YOUR situation, because getting this wrong could cost you $25,000+.
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