u/Spirited_Exercise_50

We have an uninsured mortgage. Current rate is 2.35%.

We need to renew by Aug 1st and our current lender is offering 4.39% for a three-year fixed or 4.59% for five-year fixed. Our renewal is around $355,000.

We used a broker originally when we first purchased but she doesn’t seem very helpful now. Just telling us to take the 4.39 because it’s the best she can see. I see lots of posts here of way better offers and i’m not sure how to proceed? We are pretty risk intolerant so variable doesn’t really suit is.

Help please ☺️