The House Team Of Mortgage Intellingence asked: Next to critiquing the decorating taste of your home's previous owner, playing the "adjustable mortgage game" may rank as one of the most popular (and least pleasant) pastimes of Canadian homebuyers.Here's how it works.As you're exploring your mortgage options, you review the long and steady slide of mortgage rates in Canada over the last decade and make the decision to go with an adjustable mortgage when you buy, at renewal or when refinancing. You're now a player. Then you watch for clues about mortgage rate movement, trying to guess the perfect moment to lock in your mortgage. The objective of the game is to try to guess the bottom... and you won't know it's the bottom until it's too late. In today's low rate environment, we should [+]