text: Why lock in for such a short time?
  I just bet a mortgage broker can set you up with this rate, or lower, in a variable rate mortgage with easy lock-in privileges in case rates climb. For the past 15 years it's been a great opportunity to pay down the mortgage faster: set your payments like you're on a fixed-rate bank mortgage, but actually take out a variable-rate mortgage from a less-advertised provider. We used FirstLine, which was just store-brand CIBC, for years until they wrapped it up. But there are plenty of others.