 |
Build Wealth Canada PodcastAuthor: Kornel Szrejber: Investor
Kornel interviews the top financial experts in Canada to help you optimize your investments, reduce your taxes, and help you accelerate your journey towards financial independence and early retirement. He also shares his own experiences and lessons learned in investing and as an early retiree and member of the FIRE (Financial Independence, Retire Early) community to help you optimize your finances, specifically here in Canada. Language: en Contact email: Get it Feed URL: Get it iTunes ID: Get it |
Listen Now...
Fixed or Variable? Mortgages, Home Equity and Retirement in Canada
Episode 148
Tuesday, 27 October, 2026
How do you choose between fixed and variable mortgage rates? And when might it make sense to use the equity in your home to invest or help fund your retirement? In this episode, I'm joined by Sean Cooper, a licensed mortgage broker, the bestselling author of Burn Your Mortgage and our resident mortgage expert on Build Wealth Canada. We discuss: How the Canada-U.S. trade war is affecting mortgage rates and complicating the Bank of Canada's interest rate decisions. What to consider when choosing between fixed and variable rates, including the idea of starting variable and locking into a fixed rate later. What buyers and sellers should know about the Canadian housing market. How the Smith Manoeuvre works, who it may suit and why assumptions about investment returns and borrowing costs matter. How reverse mortgages compare with downsizing or a home equity line of credit, including costs, repayment and retirement planning considerations. Whether you're choosing a mortgage or thinking about how your home fits into your retirement plans, we explore the options and trade-offs to help you ask better questions and make more informed decisions. Have questions about your own situation? You can book a free, no-obligation introductory call with Sean at buildwealthcanada.ca/sean.
