🎧 Fixed vs Variable: Which Mortgage Strategy Makes Sense in 2025?
Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier

With interest rates finally shifting, investors everywhere are asking the same question: should you go fixed or variable in 2025?
In this episode, Wayne & Gabby are joined by Keaton Kirkwood from Kirkwood & Brennan Mortgage Group to unpack how lenders actually determine variable discounts, why fixed rates aren't always safer, and how to decide what's right for your goals and risk tolerance.

They also coach a listener who just bought a nine-unit multifamily building—covering everything from ethical tenant management to realistic refinance timelines and the real-world math behind BRRRRs.

🧠 What You'll Learn in This Episode

• How lenders actually price variable rates and what "prime minus 0.85%" means

• Why five-year fixed mortgages can be dangerous for investors

• The ethical way to handle tenant turnover in value-add multifamily projects

• What to expect when refinancing commercial vs residential properties

• How financing can "ruin great deals" if you don't plan ahead

• Why critical thinking—not hype—protects you from bad advice

• How to decide between fixed and variable based on your temperament, goals & liquidity

👥 About Your Hosts
Wayne & Gabby Hillier are full-time real estate investors and coaches based in Edmonton, Alberta. 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 drop 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: info@reimorningshow.com

📘 Get the Book
The 5% Rule™ – A Real Estate Cash Flow Test for Canadian Investors
Order Now → https://a.co/d/3Xrcnhw

🤝 Thanks to Our Sponsors
🏠 Krystal Kromm – Red Deer Investor-Focused Realtor
📞 (587) 377-8584 | 🔗 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
📧 keaton@kbmortgages.ca | 🔗 Facebook

🏗️ Calvert Home Mortgage Investment Corporation
📞 403-278-0249 | 📧 info@chmic.ca
🆔 FSRAO License Numbers 13267 and 13268