The only thing that will remain constant is uncertainty in the market. Will mortgage rates go up? Should you lock into a fixed rate now? Variable rate mortgages (VRM) aren't for the feint of heart, but a VRM will probably save you some money over the next few years, if you choose the right one and protect your interests. For example, make sure you set your amortization schedule properly in case rates go up. And pay attention to the indicators so you can identify the right time to switch to a fixed rate mortgage, or work with a mortgage broker (like us!) who will do this for you.