After our bank sent a renewal two weeks early I left it unopened until a broker's call explained lender-paid commissions
https://oliviawoodbridgefrost.timeforchangecounselling.com/the-trade-offs-our-toronto-mortgage-broker-showed-us-in-our-brampton-pre-approval-options
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.