Fixed or variable, three- or five-year term, open or closed, insured or conventional: each option changes the payment, the penalty and your room to manoeuvre. Being able to pay down 15 or 20% a year without penalty, or move the mortgage to another property, is sometimes worth more than a tenth of a point.
Buying, renewing, refinancing or an unusual situation: describe where you are at, even if it is still vague. Mathieu replies with the next steps and the documents to gather.
