Should You Choose a Fixed or Variable?

Scott Evans, a financial planner at BlueShore Financial in North Vancouver, B.C., says you should ask yourself why you decided to choose a variable. have if you stuck with the variable-rate loan.

A variable interest rate can increase and decrease during the term. If you choose a variable.

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Age old debate: Fixed v.s Variable, which one to choose? | Hot Property Online I rolled over my IRA from a variable to a fixed annuity because I. You invest in one or more "subaccounts," which can own stocks or bonds or a. to use some portion of your IRA funds to create an income you won't outlive.

When the time comes to choose your mortgage term, you will inevitably have to decide between a fixed and variable rate.. critical illness) to ensure that their mortgage payments can still be made in case of a problem.

Once you know what rate and term lenders will extend to you, how do you choose between a fixed-rate mortgage and an ARM. want to take out an ARM under any of these common assumptions should.

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INTEREST rates may be at record lows, but first-home buyers are being urged to shop around before choosing. should.

One of these is choosing between a fixed- or variable-interest-rate mortgage. True to its name, fixed-rate mortgage interest is fixed throughout the life of the loan. In contrast, the interest rate on a variable-interest-rate loan can change over time.

If prevailing interest rates trend lower, a fixed-rate mortgage holder may choose to refinance, and that may involve closing costs, additional paperwork, and more.² With variable-rate mortgages, the initial interest rates are often lower because the lender is able to transfer some of the risk to the borrower; if prevailing rates go higher, the interest rate on the variable mortgage may adjust upward as well.

Choosing between variable, fixed and split rate home loans can be like. A fixed home loan allows you to lock in an interest rate on your mortgage for a length.

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One of the decisions I’ll face is whether to take out a fixed- or variable-rate loan. However, once again, the risk that you may get stuck there beyond the planned five years should also be part of.