u/BulldogLou

My wife and I have been riding variable for 5 yrs. The majority of it being crushed by COVID, that said we had great discount rat. currently 3.2. RBC is offering 5 year variable at 3.5 or fixed at 3.84. Should we lock in? If so would it only be beneficial to do so early for the fixed? Or recommend riding it out at lower rat. for future 3-4 months.