Rates · June 2026
Fixed vs. variable: begin with your risk comfort
A simple framework for discussing rate type without chasing headlines.
A rate type is not just a forecast
The best fit depends on payment stability, flexibility, time horizon and how you would feel if rates moved in either direction.
Read the mortgage contract
Prepayment rules, portability and potential break costs matter alongside the rate. Ask for plain-language examples that match your likely scenario.