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Fixed-Rate Mortgages

Buying a home is a big decision, and it doesn’t stop once you find the home that’s right for you. The next step is choosing a mortgage product to pay for it. The first and most obvious choice is a fixed-rate mortgage. These mortgages are often called “plain vanilla” loans, but it’s actually their ho-hum nature that makes them so attractive for some types of borrowers. So is a fixed-rate mortgage right for you? Here’s some food for thought.

 

What is a Fixed-Rate Mortgage?

A fixed-rate mortgage provides a fixed interest rate for the term of the loan, which is often three, five or 10 years. This differs from a variable-rate mortgage, where the interest rate – and the loan payment – can fluctuate as a result of changes to the prime interest rate. This rate is set by the Bank of Canada and determines the rate for all types of consumer loans.

 

Why Choose a Fixed-Rate Mortgage?

Fixed-rate mortgages are very popular in Canada and they provide one very big advantage for buyers: a consistent, predictable payment for the term of the loan. This is because the interest rate on the loan is fixed. Although the amount of principal and interest vary from payment to payment, the total payment remains the same, making budgeting easier. This fixed rate also protects buyers if interest rates rise.

 

Is a Fixed-Rate Mortgage Right For You?

A fixed-interest mortgage costs slightly more than a variable rate loan over time. But for those who crave consistency, it still provides good value – and ensures a good night’s sleep. If you often worry about money or struggle with budgeting, a fixed interest rate may be a good option for you, especially if you plan to live in your home for several years. Think of a fixed-rate mortgage like you would a GIC– it’s not exciting, but it’s secure.

 

Come visit the Vancouver Mortgage Team to learn more about fixed-rate mortgages and find the mortgage product that’s right for you.