If you choose this type of mortgage, CIBC will be the best choice because their plan is fully open. There's no traditional 15/15 or 20/20 .... There's no limit on over payment or lum sum. If you win 649 someday, you can pay your mortgage all at once without any penalty. It's the most flexible mortgage I ever got. TD is the worst because they don't offer you discount of post rate when you switch to a fix term plan. Normally there's 1.15-1.25% discount of posted rate if you switch to a 5-year fix term mortgage. LOT OF HOMEWORK NEEDS TO BE DONE. IT'S ALL ABOUT MONEY.