We were thinking of either:
1. Switching our transactional banking and just paying the mortgage to them, but not sure if we can get in trouble for this because when we signed the agreement we agreed to the "full baking relationship" with them, or;
2. The full mortgage is fixed for 12 months at 5.95%, would we be up for thousands in break fees if we looked at switching everything, considering rates haven't really moved yet since we took out the mortgage?
Thanks in advance for any help!