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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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Recognizing Early Signs of Dementia After Age 50

 

As we age, paying attention to subtle behavioral changes becomes crucial. Here are five key behaviors to watch for in friends and family over the age of 50, which might warrant further attention:

  1. Apathy: A noticeable lack of interest or emotions.
  2. Affective Dysregulation: Mood swings, anxiety, or depression.
  3. Lack of Impulse Control: Difficulty managing impulses.
  4. Social Inappropriateness: Behaviors that don’t align with social norms.
  5. Abnormal Thoughts or Perceptions: Unusual beliefs or hallucinations.

These early indicators could signal underlying dementia. If you notice any of these changes, consider seeking professional advice. Early detection allows for timely intervention and better management of cognitive decline


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