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so youre in a variable rate mortgage and youve just been watching your rate go up and up throughout 2022. now youre beginning to wonder should i just lock into a fixed rate to answer this question you really need to take stock of your current household finances your appetite for risk and the spread between your current variable rate and the best fixed rate you can get today now if your household finances are beginning to get tight and your budget can only support a few more rate increases throughout the remainder of your term then perhaps switching to a fixed rate might be the way to go this will give you peace of mind and ensure that your monthly budget can support your mortgage payments throughout the remainder of your term on the flip side if your household finances can support multiple rate increases over the remainder of your term then you need to start looking at the current spread between your variable rate and the best fixed rate you can get today now if the spread between y
