this post was submitted on 05 Oct 2023
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Canada
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Disagree. I'm on an ARM. VRM are stupid and if prime raises or lowers so should your rate. Principal payment should never change IMHO. Having all these VRM mortgages have caused this mess.
My variable rate has gone up so much my monthly payments have gone up 1k. But my amortization is still 25 years.
https://www.truenorthmortgage.ca/blog/adjustable-rate-mortgage-canada
An arm is an adjustable rate mortgage.
You want fixed.
You're in Canada I think we are talking past each other