Condo renewal coming in 2 months, location: Ontario

current lender: FirstOntarioCreditUnion(FOCU)

current rate: 5.09% 3Y Fixed

Renewal offers were initially getting 3.55% 5Y Variable, checked with brokers & FOCU, now negotiated to 3.45% with current lender. PINE is offering the same on their website, haven't got a quote yet but i feel i might get this as my credit score is good around 850-860 and I am premium customer with WealthSimple.

What will you suggest - should i stay with current lender or switching to PINE makes more sense, as they could be giving cashback.

P.S. I have plans to sell my condo in coming 1-2 years, so looking for Variable rate now and also want to lessen my monthly payments. Any advice is appreciated.