Don't be afraid to negotiate with your bank and research the lowest rates online. See what other lenders are offering and mention it to your bank. A good starting point is ratesupermarket.ca. We got a really good deal on our mortgage mainly thru effective negotiating. It helps if you already are a customer there, you've bought their products or pay fees for other things. I wouldn't even bother looking at the rates the banks post on their website as they are inflated.
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