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| Dave casper | Refinance your mortgage. Also, global investors can influence rates as they look for investments that offer safe, competitive returns. Homeownership, mortgage debt and types of mortgage among Canadian families, Statistics Canada. Fixed rates offer stability against market fluctuations. Learn More. Your down payment influences the size of the loan you need and the amount of risk your lender takes on. A mortgage rate is the rate of interest you agree to pay when you borrow money from a lender to buy a property. |
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