Low Inflation, High interest Rates — What’s Going On?

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Fixed vs Variable Rate Mortgage in 2025 — Which One Should You Pick?

Everyone’s asking: “Should I go fixed or variable in 2025?”
In this video, I break it down — not with generic financial advice, but based on real data, real market context, and your real-life scenarios.

I explain why core inflation, not just headline inflation, matters. Why variable rates might not drop despite what the headlines say. And when it makes sense to lock in a 3-year fixed vs ride the wave with a variable mortgage.

You'll also learn:

Why following the Rule of 35 helps make this decision easier

The penalty trap when switching from fixed to variable (and how to avoid it)

How upcoming trade wars and recession risks could actually lower fixed rates

Why being below your affordability is your biggest edge

When to time your switch from variable to fixed (yes, you CAN do that penalty-free)

⚠ If you're buying a home right now, this is not the market to be lazy. Watch till the end — I even cover the massive $50,000 penalty some people pay when breaking a fixed rate mortgage.

⏰ Chapters
00:00 - Fixed vs Variable Mortgage: What You Should Know in 2025
00:22 - Why I Recommend Fixed Right Now
01:10 - Rule of 35: Should You Even Be Buying?
02:08 - When Variable Makes Sense (and When It Doesn’t)
03:25 - Penalties: The Hidden Cost Nobody Tells You
04:39 - The 4% Reality: This is the New Normal
06:27 - Final Advice (Backed by Data & Life Strategy)
🏠 I'm a licensed mortgage agent with Indi Mortgage (FSRA #12403). My team doesn't just run numbers—we create real strategies to help you own the home and retire early.

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#MortgageAdvice #FixedVsVariable #CanadianHousing2025 #GrowWithNav #InflationCanada #FirstTimeHomeBuyer #MortgageTipsCanada #PersonalFinanceCanada

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Видео Low Inflation, High interest Rates — What’s Going On? канала Grow with Nav