Fixed Rate vs Variable Rate Mortgages – What’s the Right Choice? | Keaton Kirkwood | Real Estate Investing Canada

May 28, 2025

🎧 Fixed Rate vs Variable Rate Mortgages – What’s the Right Choice?
Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier

Today’s episode features returning guest and mortgage strategist Keaton Kirkwood for a deep dive into one of the most commonly debated topics in Canadian real estate investing: fixed vs variable rate mortgages.

Wayne and Gabby share personal stories, reflect on past interest rate decisions, and Keaton breaks down the key differences between fixed and variable products—including conversion flexibility, penalty calculations, and how to align your mortgage strategy with your investing goals. This conversation is packed with real insights you won’t hear from a branch advisor.

🧠 What You'll Learn in This Episode

• How to decide between fixed vs variable rates in today’s climate

• The real cost of early payout penalties on fixed mortgages

• How Keaton recommends approaching rate selection with risk mitigation in mind

• Why portfolio stability is more important than predicting the market

• What to know about interest rate differentials (IRD)

• How a properly chosen mortgage can help your real estate business thrive

• Pros and cons of converting variable to fixed

• Why investor-focused brokers matter

👥 About Your Hosts
Wayne & Gabby Hillier are full-time real estate investors and coaches based in Edmonton, Alberta, Canada. Through their REI Masters Mentorship Program, they help Canadians build long-term wealth using rental properties, BRRRRs, flips, joint ventures, and creative real estate strategies.
New episodes every weekday morning featuring real stories, coaching moments, and tactical investing advice.

💡 Resources & Contact
Learn about our Mentorship Program: www.reimasters.ca
Bookkeeping & tax help: www.finngo.com/rei
Submit a question: [e-mail]

📍 Upcoming Event – Red Deer Real Estate Investing Meetup
🗓 Friday, May 30, 2025 | 🕕 6:00 PM – 9:00 PM MDT
📍 17 Mitchell Avenue, Red Deer, AB T4N 0L3
🎤 Guest Speaker: Wayne Hillier

Come hang out with other local investors for a casual, real-world discussion about buying, renovating, and renting properties in Central Alberta. Wayne will be sharing actionable tips on:

• Running the numbers on potential deals

• Strategic renovations that boost ROI

• Getting suites rented fast

🔗 Register Now on Eventbrite

🤝 Thanks to Our Sponsors
🏠 Krystal Kromm – Red Deer Investor-Focused Realtor
📞 [phone]
🔗 Facebook

🏢 Calvin Realty – Edmonton Investor-Focused Realtor Team
🌐 calvinrealty.ca
🔗 Facebook

📊 Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm
🌐 www.finngo.com/rei
🔗 Facebook

💼 Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers
🌐 www.kbmortgages.ca
📧 [e-mail]
🔗 Facebook

🏗️ Calvert Home Mortgage Investment Corporation
📞 403-278-0249
📧 [e-mail]
🆔 FSRAO License Numbers: 13267 and 13268.