Ultimately, the decision-making factor often boils down to one point. If you expect rates to rise in the near future, fixed loans are safer. On the other hand, if you anticipate benchmark rates to ...

The Bank of Canada holds its key rate at 2.25%, keeping variable mortgage rates and savings returns steady amid economic and geopolitical uncertainty.

People are starting to load up on floating-rate mortgages again, and events in the weeks to come will either crown them as geniuses or confirm their membership in the “What was I thinking?” club.