Rates · Indi Mortgage
Fixed vs variable — how to choose
The fixed-vs-variable decision, framed around rate cuts and a lot of uncertainty.
Why it’s a harder call right now
Fixed versus variable is the debate that never ends, and Jay was living it in real time. Josh explains why the current backdrop — tariffs, elections, broad geopolitical uncertainty — makes the decision more complex than usual.
How to think about it
There’s no universally “right” answer — it comes down to your risk tolerance, your timeline and how you’d feel if rates moved against you. The video lays out the trade-offs so you can match the choice to your situation rather than a hunch.
Heads up: The rate environment described is from the video’s date — the fixed/variable gap changes; get current guidance before locking in.
