u/Ok_Memory3862

Hello all,

I'm currently on the tail end of my 3 year fixed mortgage. I wanted to get some insight on what people usualy do at this time.

Current Rate: 5.09%

Lender: Scotia

Mortgage amount: $413,000 remaining Uninsured

Amort: 30 years

I'm personally not a big fan of variable because my income is inconsistent as I'm in sales and prefer to keep my payments the same throughout the term.

I got an offer from Scotia to renew from now for the following:

2 years 4.29%

3 years 4.40%

Variable 3.65% 5 year

I was hoping to get into a fixed in the 3's I don't know if thats long gone from earlier this year.

Is it worth shopping around?