Fixed versus floating mortgage rates
Compare payment certainty and rate-change exposure, not a forecast of which will win.
Fixed
Payments are easier to plan for the fixed period; the starting rate may differ from floating offers.
Floating
The rate and future payment can change under product rules. Stress-test higher rates and read reset rules.
This is not an individual qualification or approval result, or tax, legal or investment advice. Verify current terms with authorities and lenders.