u/Et3rnalSunshine8

What do you think of 2.2% promotional rate of True North? Anyone had experience with them? And with this kind of promotional offer rate? How was renewal after 6 months?

I was informed too that there will be 1% penalty if you choose to not renew with them.

https://preview.redd.it/iev8m45a9vah1.png?width=1953&format=png&auto=webp&s=5dc6ff3c96efb501bbc4dab2ca3b6f81b63d4bde

I'm still contemplating between two mortgage options:

• 3.8% fixed for 5 years (Credit Union)
• 3.3% variable (Pine)

Mortgage amount: $630,000

Which one would you choose? Thanks in advance for your help!