Fixed vs Variable Mortgage Rates in Canada

Understand fixed and variable mortgage rate searches and why consumers compare both during rate cycles.

Fixed rates give payment certainty. Variable rates move with prime. RateShop should publish both so consumers can compare lowest advertised options without needing personalized advice.

What RateShop should publish

  • Current rate examples
  • Province and city variations
  • FAQs written in plain language
  • Internal links to rate pages and calculators
  • Clear inquiry CTA

Questions answered

How does this help mortgage shoppers?

It gives consumers practical education before they submit a rate inquiry.

How does this help SEO?

The article targets high-intent mortgage questions, increases time on page, and links back to rate comparison pages.

Do I automatically qualify for the lowest rate?

No. Lowest published rates can depend on mortgage amount, province, property type, credit score, income, LTV, transaction type, insurer eligibility, and lender criteria.

How does RateShop make money?

RateShop captures rate inquiries and may share inquiries with mortgage lead buyers or partners, subject to consent and applicable rules.