@cwordman i guess you can compare with GICs lol since that's guaranteed rate.
Also if you ever plan to buy something else in the near future, it's more flexible if you still had the cash (invested) vs money put in the mortgage. Then you'd need another loan.
@cwordman in theory returns on investing always beats out mortgage interest rate, but you might get downyears like last year so who knows.
At the end of the day with the amount you mentioned I don't think it matters that much which choice you make.
