Are you in a variable rate mortgage? Did you sign prior to Nov 2016? Is your rate a minimal discount off of Prime? GOOD NEWS! Variable rates are around Prime -1% right now! You can transfer and take advantage of this low rate for another 5 years with no transfer fees, no legal fees, no appraisal fees, and you qualify under the old rules. Penalties are minimal in a variable rate and may be worth your while to transfer.