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@jeff325 I don't have a crystal ball so I wouldn't say mortgage rates can or can't do anything in 3yrs. I can say I'd take the lower 5yr rate though and put the extra money I'd have paid in the 3yr into a monthly pre-pay.

@rhandi Ah. Cibc charges me.for that. I've found Scotia is fine with personal cheques, this is the main reason I still have any.

@rhandi When I did this I just used a personal cheque.