A west-end Toronto home for sale. Photo by Graeme Roy/The Canadian Press files

Every interest rate move by the Bank of Canada triggers the existential mortgage question of whether to go fixed or variable , but what if you didn’t have to choose?

Of course, that would require a mindset in Canada that doesn’t exist, as homeowners generally have little to no appetite for splitting their mortgages into, say, 50 per cent variable and 50 per cent fixed.

Diversifying debt is not a discussion that is entertained. You are either all in or all out.

It is the opposite argument people have about their assets, and runs contrary to how we would feel about a public company that had all its debt renewing in the same year.

Most companies would try to ladder their debt. If you had a retirement b

See Full Page