{"id":163,"date":"2026-11-05T14:00:00","date_gmt":"2026-11-05T14:00:00","guid":{"rendered":"https:\/\/www.mannmortgages.com\/blog\/?p=163"},"modified":"2026-11-05T14:00:00","modified_gmt":"2026-11-05T14:00:00","slug":"as-bond-yields-rise-how-to-pick-between-a-variable-or-fixed-rate-mortgage","status":"publish","type":"post","link":"https:\/\/www.mannmortgages.com\/blog\/2026\/11\/05\/as-bond-yields-rise-how-to-pick-between-a-variable-or-fixed-rate-mortgage\/","title":{"rendered":"As bond yields rise, how to pick between a variable or fixed rate mortgage?"},"content":{"rendered":"<div class=\"roomvu-news-container\">\n<p>Rising global bond yields, including in Canada, are influencing mortgage choices as over one million households face renewals. Fixed-rate mortgages, tied to bond yields, have increased, with five-year fixed rates around 4.34%, nearly 1% higher than variable rates at 3.43%. This gap is driving more interest in variable-rate mortgages, which offer lower initial payments but carry risk if rates rise. Fixed rates provide payment stability but may cost more now. Shorter fixed terms offer a middle ground amid market volatility.<\/p>\n<p>\t<a class=\"roomvu-news-continue\" href=\"https:\/\/globalnews.ca\/news\/12103643\/bond-yields-mortgages-variable-vs-fixed-rates\/\"><\/p>\n<div>Continue to full article<\/div>\n<p>\t<\/a><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Rising global bond yields, including in Canada, are influencing mortgage choices as over one million households face renewals. Fixed-rate mortgages, tied to bond yields, have increased, with five-year fixed rates around 4.34%, nearly 1% higher than variable rates at 3.43%. This gap is driving more interest in variable-rate mortgages, which offer lower initial payments but [&hellip;]<\/p>\n","protected":false},"author":243,"featured_media":164,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-163","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.mannmortgages.com\/blog\/wp-json\/wp\/v2\/posts\/163","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.mannmortgages.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.mannmortgages.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.mannmortgages.com\/blog\/wp-json\/wp\/v2\/users\/243"}],"replies":[{"embeddable":true,"href":"https:\/\/www.mannmortgages.com\/blog\/wp-json\/wp\/v2\/comments?post=163"}],"version-history":[{"count":1,"href":"https:\/\/www.mannmortgages.com\/blog\/wp-json\/wp\/v2\/posts\/163\/revisions"}],"predecessor-version":[{"id":165,"href":"https:\/\/www.mannmortgages.com\/blog\/wp-json\/wp\/v2\/posts\/163\/revisions\/165"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.mannmortgages.com\/blog\/wp-json\/wp\/v2\/media\/164"}],"wp:attachment":[{"href":"https:\/\/www.mannmortgages.com\/blog\/wp-json\/wp\/v2\/media?parent=163"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.mannmortgages.com\/blog\/wp-json\/wp\/v2\/categories?post=163"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.mannmortgages.com\/blog\/wp-json\/wp\/v2\/tags?post=163"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}