Well, once the mortgage is paid out, and you paid all the penalties, I would have switched out of spite. Eff them, the interest represents a huge chunk of change, and if they aren't willing to roll the mortgage over, screw em.
And yeah, it's all relative. The only reason I got any kind of preferential treatment was because our company is one of the oldest RBC clients in Canada. If I was 18 making 35K there's no way I would get away with half of what I did.
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