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uh ok thanks guys
i'm currently with Scotia Bank, best rates at the time and i did this through a broker
i'm going to email him in the next little while to see what he says...i was hoping to go better searching on my own for the renewal but it may be easier (and guaranteed) if i just stay with him and scotia....but i'm definitely not going to be spending more money (higher rates) just to do it
thanks again, please add more info if you have it
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