THINK OUTSIDE THE BOX:  What Canadians in the housing market need to consider this spring is whether the Bank of Canada is likely to lower its policy rate by enough that the variable rate option ends up below their fixed counterparts over the course of the term.

According to a Vancouver-based mortgage expert calculations, the Bank of Canada would probably need to drop around two percentage points over the next three years for a homeowner to save money going variable instead of fixed over that timeframe.  Click here for article