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Good idea Sometimes I tend to overlook the obvious. I remember back to GFC when I fixed in a rising rate environment at 9% and then rates fell to 5%. I got a break fee quote and got it in my head that you never break a fix.... Vastly different now.

Are there any lenders who are willing to provide a second mortgage on a property? i.e. go on title as the second mortgagee?? I am in the situation of having an IP with 600k equity but a fixed loan against it. Would like to avoid break fees. Existing lender v. limited on top ups/cash out...