Source-backed decision tool

Fixed or variable mortgage?

Compare payment pressure and projected interest using current tracked rates, your lender quotes, and every eligible stored rate signal.

Your mortgage scenario

Compare certainty with rate exposure

Start with tracked rates or enter lender quotes. The outlook uses all eligible stored mortgage-rate statistics and tracked lender movements.

Source-backed scenarios

Mortgage amount Mortgage type Remaining amortization Comparison period Variable payment structure Your mortgage contract determines which structure applies.

Starting rates Use current tracked rates Checking source-backed fixed and variable rates... Use lender quotes Enter the fixed and variable rates actually offered to you.

Payments and interest are calculated deterministically. Forecast ranges remain visible with their evidence.

Updated Aug 23, 2026 Assumptions shown

Evidence canvas

Market and background context

Market context

A starting point, not your result

Bottom line: compare the actual fixed and variable quotes, then test the variable payment against the full forecast range. The cheaper central scenario is not automatically the safer choice, so the result must also show payment volatility, confidence, and the 6 source-backed signals currently available.

2 sources Updated nightly

Background context

What this starting context is based on

Compare payment pressure and projected interest using current tracked rates, your lender quotes, and every eligible stored rate signal. The current evidence set includes 6 recent source-backed market statistics and 0 forecast signals for Canada. Ask the assistant to run the latest source-backed calculation and show the assumptions it used.

View background sources 2 background

Edmonton, AB - Edmonton Housing Market Report: Apr. 8th, 2026 Update - WOWA Mortgage Rate Halifax, NS - Halifax Housing Market Report: Apr. 10th, 2026 Update - WOWA Mortgage Rate

Fixed or variable mortgage?

Compare certainty with rate exposure

Variable range outcomes

Evidence and method