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The Variable-Rate Comeback: Is the Waiting Game Over?
Is the "safe" play in 2026 actually the one everyone was afraid of two years ago? In this episode of Your Mortgage Minute by OnLendHub, we dive deep into the surprising "Variable-Rate Comeback" of February 2026.
With the Bank of Canada holding steady at 2.25% and the Prime Rate at 4.45%, a unique "positive spread" has emerged. For the first time in years, variable rates are significantly lower than 5-year fixed rates, offering immediate cash-flow relief for homeowners and buyers alike.
In this episode, you’ll learn:
The Math of 2026: Why a 3.35% variable might beat a 4.00% fixed rate today…
The skinny
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