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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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The Reagan Shadow: Trump’s Presidency in a Conservative Mirror

U.S. President Donald Trump, in front of a painting of former U.S. President Ronald Reagan, in the Oval Office at the White House

When Donald Trump entered the Oval Office, he did so under the long shadow of Ronald Reagan, a figure still revered by many conservatives as the gold standard of Republican leadership. Reagan’s presidency in the 1980s reshaped the GOP, embedding themes of tax cuts, deregulation, and a strong national defense into the party’s DNA.

Trump, however, inherited not just Reagan’s legacy but also the expectation to measure up against it. While Reagan projected optimism and a unifying “Morning in America” message, Trump’s style leaned more toward disruption and confrontation. Yet both men tapped into a sense of discontent, appealing to voters who felt left behind by political elites.

The comparison reveals both continuity and contrast. Trump echoed Reagan’s skepticism of government and emphasis on American strength, but he diverged sharply in tone, rhetoric, and approach to global alliances. For many Republicans, Reagan remains the idealized past, while Trump represents a more combative present—two different answers to the same question of how conservatism should define America’s future.


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