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I got a 3.99 3yr fixed mortgage back in Oct 2024. I dealt directly with the bank. The broker I dealt with with in previous transactions could not match anything close to what the mortgage advisor at the respective banks could do for me. Moving forward, I don't think I will ever go through a broker again and just go directly to the banks
I shopped with BMO and CIBC, but I ultimately went with CIBC because they reimbursed some legal fees and gave a bigger cash back (although BMO would've matched the cash back but not the legal fees).
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