Unfortunately, there is no easy answer to this! First, we have to consider things like current available rates and products, future market expectations, the monetary policy of the Bank of Canada, broad economic factors and, most importantly, your personality. Don’t worry! We are experts in our field and can help you find the terms that you’re most comfortable with. We care deeply about our clients and we take time to get to know you personally before making our recommendation. What’s right for one person may not be right for another.