Beware the penalty fees with RBC, as I mentioned before.
But I doubt you can really go wrong with 3.75% over 5 years. And the 10% per year lump sum and the ability to do double-up payments does add up to a lot of accelerated payments/savings if you want to do that. We're with RBC on a fixed plan and *generally* happy with it, if that helps at all.
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