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The 3-Year Fixed Sweet Spot: Why 5-Year Mortgages are a 2026 Trap
Are you facing a mortgage renewal in 2026? Don't sign that 5-year fixed notice just yet.
With the Bank of Canada holding interest rates at two point two five percent and global trade volatility impacting bond yields, the traditional "five-year fixed" has become a potential trap for Canadian homeowners. In this episode of Your Mortgage Minute, we break down the most popular strategy of February twenty twenty-six: The Three-Year Fixed Sweet Spot.
We explore why locking in for five years might prevent you from catching the next rate drop, and why variable rates are still too "bumpy" for many…
The skinny
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