I checked in renewing early and jumping banks. BMO had a 2.9 rate that was pretty appealing. My penalty was about $7k. Didn't think it was worth it, but maybe I'll need to work it out over 5 years...
Although....want to know the BIGGEST problem I have? I have a 40 year mortgage
This essentially fucks me for negotiating. I am a little at a loss of what I can do...