Understanding Mortgage Rates Heading Into 2026

Mortgage rates have stabilized over the past several months, giving buyers a more predictable planning environment than the volatility of recent years.

Fixed versus variable remains a personal decision based on risk tolerance and how long you plan to hold the property. A mortgage broker can model both scenarios against your specific numbers.

Even small rate movements can meaningfully shift your maximum purchase price, so it's worth re-running your pre-approval numbers every few months if you're actively house hunting.

I work with a network of trusted local mortgage professionals and am happy to make an introduction as part of your buying journey.