I found the best way to go is to figure out what the best possible rate available is and then tell your bank in a nice way that you will accept nothing but their best. If 2.89 is the best then go in and tell them you want that and if they can't give it to you you will go talk to a broker who can get that rate for you. Also, avoid any of the mortgages that offer something extra like cash back or reward points. You are paying for that stuff and they can usually knock points off if you skip it.
It worked for me and I am sitting at a 2.3% variable rate.
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