After our bank sent a renewal two weeks early I left it unopened until a broker's call explained lender-paid commissions

https://telegra.ph/How-We-Used-Mortgage-Renewal-Toronto-to-Renegotiate-Terms-Before-Buying-in-Brampton-05-28

After our bank sent a renewal two weeks early I left it unopened until a broker's call explained lender-paid commissions, which I had never known.