The Variable Rate Breakeven Calculator | Your Mortgage Minute

Your Mortgage Minute | Onlendhub · Sep 3, 2026 · 5m · transcript

Thinking about variable over fixed? This episode gives you a simple breakeven calculator to decide. Learn the exact formula: your starting rate spread divided by 0.25 equals the number of Bank of Canada cuts needed for variable to win. We walk through a $600,000 mortgage example showing why you need at least three rate cuts in 2026–2027 for variable to beat a 4.65% fixed rate. Discover the two scenarios where the math shifts, the red flag that traps borrowers, and the three-step framework to make your decision with confidence. Your Mortgage Minute

Keywords: variable rate, fixed rate, Bank of…