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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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5 Simple Tips to Keep Your Home Clutter-Free in 2024

 

A cluttered home can be overwhelming and stressful. Here are five simple tips to help you keep your home organized and clutter-free in 2024:

  1. Declutter regularly: Make it a habit to declutter your home regularly. Go through your belongings and get rid of anything that you no longer need or use. This will help you keep your home organized and free of clutter.

  2. Create a designated space for everything: Everything in your home should have a designated space. This will help you keep your home organized and make it easier to find things when you need them.

  3. Use storage solutions: Use storage solutions such as baskets, bins, and shelves to help you keep your home organized. These solutions can help you maximize your space and keep your home clutter-free.

  4. Avoid impulse buying: Avoid buying things that you don’t need or won’t use. This will help you keep your home clutter-free and save you money in the long run.

  5. Get the whole family involved: Keeping your home clutter-free is a team effort. Get the whole family involved in decluttering and organizing your home. This will help you stay motivated and make the process more fun.

I hope these tips help you keep your home clutter-free in 2024! 

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