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Fixed vs. Variable Mortgages in Canada: Which Should You Choose Right Now?

  Mortgages | Personal Finance | June 2026 Variable rates sit at 3.30% while fixed rates have climbed above 4%. The Bank of Canada is frozen between inflation and recession. Here's what that means for your mortgage decision today. By MoneySavings.ca Staff  |   June 26, 2026 📊 Today's Best Mortgage Rates — June 26, 2026 Type Term Lowest Rate (Broker) Big Bank Range Variable 5-Year ~3.30% ~3.50–4.00% Fixed (Insured) 5-Year ~4.04% ~4.50–5.20% Fixed (Conventional) 5-Year ~3.94% Higher Bank of Canada Policy Rate 2.25%  |  Prime Rate: 4.45% Sources: NerdWallet Canada, Ratehub.ca, WOWA.ca, bestrates.ca. Rates as of June 26, 2026. Broker rates require qualification; Big Bank rates are estimates. Your actual rate depends on your credit score, down payment, and mortgage type. If you're buying a home, renewing a mortgage, or simply trying to make sense of an unusually complex rate environment, you've arrived at the right question at a complicated moment. The Canadian...
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Top 10 Must-Visit Destinations in 2023-2024: Unforgettable Journeys Await!




The world is full of fascinating travel destinations and choosing the perfect vacation spot can present a challenge. Here are some popular and iconic travel destinations that have historically been great places to visit:

Paris, France: The City of Love offers iconic landmarks like the Eiffel Tower, Louvre Museum, and Notre-Dame Cathedral, along with charming streets, delicious cuisine, and a rich cultural heritage.

Tokyo, Japan: A vibrant and futuristic metropolis with a mix of traditional temples, modern architecture, high-tech gadgets, and unique cultural experiences.

Rome, Italy: A city steeped in history with ancient ruins like the Colosseum and the Roman Forum, combined with excellent cuisine and a lively atmosphere.

Sydney, Australia: Famous for the Sydney Opera House, stunning beaches like Bondi, and a mix of cosmopolitan city life and natural beauty.

Cape Town, South Africa: A stunning coastal city surrounded by mountains, offering picturesque landscapes, diverse wildlife, and vibrant culture.

New York City, USA: A bustling urban playground known for its skyscrapers, Central Park, Broadway shows, and a melting pot of cultures.

Kyoto, Japan: A city that preserves traditional Japanese culture, with beautiful temples, traditional tea houses, and serene gardens.

Barcelona, Spain: A city known for its unique architecture, especially the works of Antoni Gaudí, as well as beautiful beaches and a lively street culture.

Vancouver, Canada: A picturesque city surrounded by mountains and water, offering outdoor activities, cultural events, and a laid-back vibe.

Iceland: A land of breathtaking natural wonders, including waterfalls, geysers, glaciers, and the opportunity to witness the Northern Lights.





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