Mortgage Renewal in TD
My mortgage is due for renewal in November but TD is offering early renewal effective July 1st and the rate offered is 3.99 for 3 years fixed. Is it reasonable? Currently paying 5.71 though. I primarily prefer fixed and I already suffered with variable in the past few years then later switched to 3 year fix when rates were at peak. However I am still think if I have to stay on variable for a few months and then switch to fixed when the rates go down. Any advise?