u/Cute-Badger-3525

Hi all,

I am getting 3.4% 5-yr variable with CMLS and 3.45% 5-yr variable with RBC. my plans are to lock in lower fixed rates in 3-4 yrs or whenever fixed rates go lower (economy is in a recession). Which one is these lenders are likely to offer better fixed rates whenever I decide to lock in from a variable (not interested in posted fixed rates since they are generally high). Thanks!