{"id":43,"date":"2026-10-12T13:00:00","date_gmt":"2026-10-12T13:00:00","guid":{"rendered":"http:\/\/blogs.room-vu.com\/rontenbrinke-ca\/2026\/10\/12\/choosing-a-mortgage-after-a-rate-hold-register-for-my-webinar-here-https-us06web-zoom-us-meeting-register-hhbyw8xrsbu7jijaekzb2g\/"},"modified":"2026-10-12T13:00:00","modified_gmt":"2026-10-12T13:00:00","slug":"choosing-a-mortgage-after-a-rate-hold-register-for-my-webinar-here-https-us06web-zoom-us-meeting-register-hhbyw8xrsbu7jijaekzb2g","status":"publish","type":"post","link":"https:\/\/www.rontenbrinke.ca\/blog\/2026\/10\/12\/choosing-a-mortgage-after-a-rate-hold-register-for-my-webinar-here-https-us06web-zoom-us-meeting-register-hhbyw8xrsbu7jijaekzb2g\/","title":{"rendered":"Choosing a Mortgage After a Rate Hold | Register for my webinar here: https:\/\/us06web.zoom.us\/meeting\/register\/HHbYW8xrSbu7jiJAeKzb2g"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\" src=\"https:\/\/www.roomvu.com\/agent\/embed\/ron-tenbrinke\/choose-mortgage-rate-remotion-videos-6d23\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>With Canada holding rates steady\u2014policy rates near the low-2% range and prime rates in the mid-4%\u2014many buyers are weighing the fixed versus variable mortgage decision. Over the last few weeks, I&#039;ve watched fixed mortgage rates inch up as government bond yields climbed, while the central bank highlighted ongoing inflation risks. For those considering a variable rate, it&#039;s important to remember: a quarter-point increase on a variable mortgage means about $1,250 more in first-year interest for every $500,000 borrowed, even before amortization comes into play. This is why I always stress the value of payment stress-testing for my clients\u2014it\u2019s about making sure your next move fits your life, not just your budget.<\/p>\n<p>Variable mortgages can offer more flexibility, especially with lower prepayment penalties if you think you might sell or refinance early. But keep in mind, fixed-payment variable loans usually mean more of your payment goes to interest when rates rise. No matter which path you\u2019re considering, both require passing the same stress test: you\u2019ll need to qualify at the higher of your contract rate plus two percent, or a floor rate in the low-5% range.<\/p>\n<p>Over the past 22 years helping families in Quinte West and Niagara, I&#039;ve learned that the right mortgage really depends on your plans, your risk comfort, and the life you&#039;re building. I\u2019m always here to listen\u2014and to help you weigh what matters most to you. Built on Trust. Driven by Results.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>With Canada holding rates steady\u2014policy rates near the low-2% range and prime rates in the mid-4%\u2014many buyers are weighing the fixed versus variable mortgage decision. Over the last few weeks, I&#039;ve watched fixed mortgage rates inch up as government bond yields climbed, while the central bank highlighted ongoing inflation risks. For those considering a variable [&hellip;]<\/p>\n","protected":false},"author":534,"featured_media":44,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-43","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.rontenbrinke.ca\/blog\/wp-json\/wp\/v2\/posts\/43","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.rontenbrinke.ca\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.rontenbrinke.ca\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.rontenbrinke.ca\/blog\/wp-json\/wp\/v2\/users\/534"}],"replies":[{"embeddable":true,"href":"https:\/\/www.rontenbrinke.ca\/blog\/wp-json\/wp\/v2\/comments?post=43"}],"version-history":[{"count":0,"href":"https:\/\/www.rontenbrinke.ca\/blog\/wp-json\/wp\/v2\/posts\/43\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rontenbrinke.ca\/blog\/wp-json\/wp\/v2\/media\/44"}],"wp:attachment":[{"href":"https:\/\/www.rontenbrinke.ca\/blog\/wp-json\/wp\/v2\/media?parent=43"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rontenbrinke.ca\/blog\/wp-json\/wp\/v2\/categories?post=43"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rontenbrinke.ca\/blog\/wp-json\/wp\/v2\/tags?post=43"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}