Low mortgage rates have helped produce signs of a rebound in the housing market, but recently the cost of mortgages has started to rise. Robert McLister, author of the Canadian Mortgage Trends blog and a mortgage planner, offers advice on what borrowers should do in this environment. He covers the question of whether to go with variable-rate or fixed-rate mortgages, and he looks at renegotiating an existing mortgage. He also talks about how to get the lowest mortgage rate, and about the choices that borrowers today are making.