Talked to mortgages-made-easy, the 3.75% is too tricky to use. It is too restricted that you can't pay more, can't sell house etc. I only got 3.9% from TD bank.
Could you let me know where you find the 3.75%? and where can get 3.85%?
Did you get it very recently? The rate I got from ScotiaBank last Friday is 3.80% for 5-year fixed.
Is there a condition attached to your 3.75% rate (e.g., the closing date of your new house needs to be within 30 days?)