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Is a Fixed Rate Mortgage Right For You?

  • Get banks competing for your business
  • Calculate low rate penalties
  • Build predictability with you mortgage payment
  • Best discounted rates

Why should you choose GLM Mortgage Group?
“We Get You a Fast “YES” at the Sharpest Rate…Guaranteed”

Contact Us Now For a Free Consultation

We will call you back in no later than 90 minutes and help determine the right mortgage fit for you.

How Fixed Mortgage Rates Work

Fixed rates can bring feelings of security, but are they ALWAYS the right choice?

  • What is fixed rate versus a variable (or floating) rate?
  • What are the pros and cons of a fixed and variable rate?
  • How are rates affected?
  • When to consider another rate other than fixed?

How Fixed Mortgages Work

Fixed rates can bring feelings of security, but are they ALWAYS the right choice?

  • What is fixed rate versus a variable (or floating) rate?
  • What are the pros and cons of a fixed and variable rate?
  • How are rates affected?
  • When to consider another rate other than fixed?

What Is a Fixed Rate Mortgage?

The process of buying a house can be long and complicated, with many different choices to make. One of the most significant is deciding what type of mortgage you’re going to need based on your specific situation. While you won’t need to make the final choice until after you have found a home, it’s a good idea to start evaluating your choices early on.

There are two main types of mortgages to consider: fixed-rate mortgages and variable-rate mortgages, also known as floating. A fixed-rate mortgage provides the borrower with an interest rate that remains constant throughout the entire lifetime of the term. A variable-rate mortgage implies fluctuating interest, which means that your mortgage payments will also fluctuate.

A fixed-rate mortgage is the most popular choice as it provides the borrower with an exact amount each payment, but typically carries a slightly higher interest rate than a variable-rate mortgage to account for possible interest rate hikes in the future. It’s sometimes harder to qualify for a fixed-rate loan, which leads many people to choose a variable rate. There is, however, more of a risk involved with fluctuating payments.

Term lengths may also vary, with the most common being 25 years. This means that, in 25 years, the loan will be paid in full. If you’re able to pay off your loan quicker, you’ll definitely end up paying significantly less interest than if you were to stick with the 25-year term payment plan. You should examine your financial needs to determine which length will best suit your situation.

  • Exceeded Our Expectations

    Our son-in-law and his wife recommended your company to us. We are so thankful that they suggested your…
    Vancouver Mortgage Broker Company to us. The content of information that you provided to us for our refinance was absolutely fantastic, couldn’t have been handled any better. We had a couple of glitches that came up but Wrenetta took care of them immediately and brought our stress level back down. I don’t think we have ever had such a smooth flowing experience in attaining a new mortgage. This experience exceeded our expectations. Paul & I are extremely overjoyed and blessed to have worked with this company and especially Wrenetta Sinclair. Wrenetta dealt with every problem immediately and every time I emailed her, I had a response with minutes. We highly recommend Geoff Lee and GLM MORTGAGE GROUP to anyone looking for finance/refinance. Thank you so very much.

    Paul & Betty Makarenko, Beeton Ontario

  • Beat Banks Rate Hands Down

    Geoff was awesome from the get go. Always answered any questions I had regarding the entire process whether… that was by email or phone. My mortgage was approved relatively easily and with a great rate. This mortgage broker beat my banks rate hands down. Thanks again Geoff and GLM. Would definitely use you guys again.

    Greg Wallace, Langley, BC

  • Geoff Knows What He Is Doing

    Geoff knows what he is doing! I met Geoff earlier this year and I have been extremely impressed with…
    his professionalism and dedication to his clients as a mortgage broker. If getting approved by the bank is challenging for you, Geoff can teach you what you need to do to get approved. He’s not about the sale, but helping people understand their options and teaching them what they need to do. If you like to get things done quick and painlessly Geoff at GLM Mortgage Group is your man!

    Rob Torrance, Langley BC

What is the GLM Mortgage Group?

GLM Mortgage Group, powered by Dominion Lending Centres, is your Vancouver and Lower Mainland Mortgage Brokerage service. We are always ready to move forward with you to obtain the mortgage you need with the sharpest mortgage rate available. Whether it’s a fixed rate or variable rate mortgage you are after, we are dedicated to finding the best mortgage rates in Vancouver, including Home Loans, Consolidation Loans, Lines of Credit and more. No matter what you need, our team of Mortgage Specialists will follow through to find the best mortgage product that fits your individual circumstances. Our free online mortgage calculator keeps you informed on how much your mortgage payment will be as well as show how different mortgage rates will affect the mortgage you require.As your Vancouver mortgage broker, GLM Mortgage is committed to clear communication with our clients. We make sure you are informed on all the mortgage options available to you. We call you back within 90 minutes to make sure that you have the fastest service available.

We are not only available in Vancouver and the Lower Mainland, we are also available across Canada.GLM Mortgage Group is your Vancouver mortgage specialist. With over 22 years of experience in the investment industry we know how to wade through the challenging process of getting a mortgage. We provide smarter options to putting your mortgage in place. We know how important it is to have an experienced professional Mortgage Specialist available to walk through your mortgage experience and stay with you through to the very end.We get you a fast “YES” at the sharpest rate… guaranteed! Call us now so that you can get that mortgage you’ve been waiting for. We already have been working for you, making sure that you will have every option of a mortgage available to you. GLM Mortgage Group is on call for you!

Tools & Resources for Success!

Good Credit



GLM will help you to obtain and maintain good credit, which is critical for obtaining a mortgage. Our free Guide to Obtaining Good Credit outlines the steps required to quickly improve your credit.

Mortgage Calculator



When searching for a home, the first step is to determine what you can comfortably afford. Our free, easy-to-use mortgage calculator will help you determine the amount of your mortgage payments.

Mortgage Rates



GLM Mortgage Group always posts the best rates available anywhere. Our mortgage brokers have access to dozens of lenders, we’re able to find the best mortgage product and rate to match your unique needs.


 We work with you taking on even the most challenging cases turning a NO into a YES!