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Discussion Starter #1
I have 3.79 on a 3 year and 6 months in.

3.99 are the 5 year new rate. At least at my sad scotia bank. I dont think thats to special. I want a 3.69 at least.

Should I hold out? I dont want to be up in 2.5 and have to be stuck with a 5%.

I have an appointment this afternoon. I dont know how to deal with these people. Ive been burned by them already.
 

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The lowest internet rate I've seen is 3.74 for a 5-year mortgage. The variable may be better, depending on how low below the prime it is, but there's risk involved with that.
 
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