Consider a Mortgage Broker. They will do the negotiating for youI so done with this renewal bs. I moved my rental mortgage over to tangerine who always have great posted rates. 1.74 for 5 year and 1.59 for 3 year, or p-1.00% (1.45%) for variable. All with 25% annual prepayment privileges.
Best thing is - no negotiating or calls.