Hot take: my bank branch in Halifax pushed me to a 5 year fixed at 4.9% and now I'm second guessing it

Miles Hall · 2026-10-19T13:30:05.315753+00:00

Last week my advisor at the Spring Garden Road branch talked me out of a 3 year term by saying rates are going up, but a buddy at work swears short terms win if we get cuts next year, so who's actually right here?

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Hot take: my bank branch in Halifax pushed me to a 5 year fixed at 4.9% and now I'm second guessing it | Canadian Finance Chat - Thought Shares