Due to slower growth projections for the year, TD is predicting anther quarter percent rate cut come March.

If this is true, variable rates will become very attractive over the next couple months (granted the banks decide to pass these savings onto the borrowers and not their shareholders).

Bank of Canada to Drop Rates Again? - CBC News

The article also predicts an average oil price of $47/barrel and will return up to $65/barrel in 2016.