Originally Posted by
jasperandchar
Have you contacted Scotibank as they won't just give you the better rate, just a thought. I would also inquire how many times you can ask for the lower rate, my guess is that it might just once, better to have all your ducks in line and be prepared to ask the questions that can make you more financially fit (lol).
I must admit I am not a fan of variable rates as it's too risky in my opinion. I am less concerned with the fixed rate/variable combo but again you need to remain variable for a fixed period of time normally 1 year, just my opinion.