Mortgage Refinance Canada When Should I Start Shopping Around To Refinance My Mortgage?

When should I start shopping around to refinance my mortgage? - mortgage refinance canada

I have a 25-year mortgage is a fixed period of 4 years in July next year approaching in 2009, the low 4.29%. Should I look for one or two months before the deadline is going on? Or should I wait to contact the bank for me? Is it better to go through a bank or mortgage broker? I live in Canada. My current mortgage at a bank. This is my first mortgage and next year will be the first time to refinance you. Thank you!