Mortgage rates can make choosing a fixed term feel like a bet on tomorrow’s headlines. Financial planner Anita Bruinsma helps you weigh the value of certainty when predictions leave you going in circles.

You have the option to lock in, but knowing when to use it is another matter. If you wait, will the choice get easier? Anita puts the timing dilemma into perspective without pretending anyone can know exactly where rates will land.

The decision also reaches into the rest of your budget. If a higher payment means choosing between a subscription and retirement savings, what should you ask before committing? A specific affordability check gives that question a more useful starting point.

Topics: mortgage rates, fixed rate mortgages, variable rate mortgages, financial security, retirement savings

GUEST: Anita Bruinsma | http://clarityonyourmoney.com

Originally aired on 2026-11-02

Mortgage rates can make choosing a fixed term feel like a bet on tomorrow&rsquo;s headlines. Financial planner Anita Bruinsma helps you weigh the value of certainty when predictions leave you going in circles.
You have the option to lock in, but knowing when to use it is another matter. If you wait, will the choice get easier? Anita puts the timing dilemma into perspective without pretending anyone can know exactly where rates will land.
The decision also reaches into the rest of your budget. If a higher payment means choosing between a subscription and retirement savings, what should you ask before committing? A specific affordability check gives that question a more useful starting point.
Topics: mortgage rates, fixed rate mortgages, variable rate mortgages, financial security, retirement savings
GUEST: Anita Bruinsma |<a href="http://clarityonyourmoney.com"> http://clarityonyourmoney.com</a>
Originally aired on&nbsp;2026-11-02

Shane Hewitt & The Nightshift is your late-night companion for real talk, bold ideas, and unfiltered conversations that matter. Hosted by Canadian radio veteran Shane Hewitt, each episode dives into the headlines, human stories, and hidden truths shaping our world—always with curiosity, compassion, and a sharp edge.

From politics and pop culture to mental health, technology, and everyday life, this podcast is where night owls, deep thinkers, and curious minds come to connect. Featuring expert guests, passionate callers, and Shane’s signature style—thoughtful, fearless, and refreshingly real.

If you crave meaningful dialogue, smart perspectives, and late-night radio energy in podcast form, subscribe now and join The Nightshift.

Shane Hewitt &amp; The Nightshift is your late-night companion for real talk, bold ideas, and unfiltered conversations that matter. Hosted by Canadian radio veteran Shane Hewitt, each episode dives into the headlines, human stories, and hidden truths shaping our world&mdash;always with curiosity, compassion, and a sharp edge.
From politics and pop culture to mental health, technology, and everyday life, this podcast is where night owls, deep thinkers, and curious minds come to connect. Featuring expert guests, passionate callers, and Shane&rsquo;s signature style&mdash;thoughtful, fearless, and refreshingly real.
If you crave meaningful dialogue, smart perspectives, and late-night radio energy in podcast form, subscribe now and join The Nightshift.

Shane Hewitt and The Nightshift

Shane Hewitt is known for his engaging and relatable on-air personality, which captivates listeners. His ability to blend insightful commentary with humour and empathy creates a genuine connection with listeners.  Shane Hewitt and the Night Shift provides relatable content, informative discussions and expert insights – along with a balance of anecdotes and entertainment.

Shane Hewitt is known for his engaging and relatable on-air personality, which captivates listeners. His ability to blend insightful commentary with humour and empathy creates a genuine connection with listeners.  Shane Hewitt and the Night Shift provides relatable content, informative discussions and expert insights – along with a balance of anecdotes and entertainment.