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Variable Mortgages: What No One Tells You 📲 BOOK A FREE CALL: https://www.ChatWithZhen.com 🏠 BUYERS - Decode Deals Here: https://www.primepropertiesto.com/buy... 🔑 SELLERS - Property Analyzer Here: https://www.primepropertiesto.com/sel... ►►Should You Lock In Your Variable Rate Mortgage Right Now? Here’s the Math. Variable rates in Canada might seem attractive, but in this episode, I break down why now could be the right time to lock in your mortgage rates. With the Bank of Canada slowing its pace of rate cuts and banks reducing their variable discounts, the opportunity to secure a fixed rate might be better than you think. In this episode, I take a deep dive into: — How variable rates are structured in Canada — Which part of the variable rate are controlled by the Bank of Canada — Why the big banks are quietly shrinking their discounts on variable rates — Historical trends and what the yield curve is telling us — A clear breakdown of who should consider fixed vs variable mortgage in 2025 — The real pros and cons of fixed vs variable mortgage If you’re debating your next move on a mortgage — or have one coming up for renewal — this is the analysis you need to hear before locking anything in. — 00:00 - Locking in your mortgage in 2025 01:17 - Fixed vs Variable mortgage rate trends 02:29 - Why fixed mortgage rates are going up 03:09 - What is a good variable mortgage rate? 05:36 - What the Bank of Canada controls and what it doesn't control 06:39 - Variable vs Fixed mortgage rates in 2025 07:42 - Reasons why you should get a fixed rate mortgage 09:20 - Reasons why you should get a variable rate mortgage 🔔 Don’t forget to like, subscribe, and hit the notification bell for more data-driven real estate updates tailored for the GTA market. 📩 SIGN UP for our Curated Content Here: https://tally.so/r/wzdAQ1 #torontorealestate #torontocondos #canadamortgage #mortgage #mortgagerates #bankofcanada #interestrates ====================================== Find Zhen Here: Book A Call: www.ChatWithZhen.com Email: [email protected] Website: http://www.PrimePropertiesTO.com ======================================