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Has anyone here used the portability clause with ING? Specifically blend and extend, the clause says they will give you their best rate. I am unclear if this simply means their posted rate or the actual rate others are being offered. I like that they don't use the IRD for breaking a mortgage, and I can get p-.9 via a broker, which puts us at 2.1% for a closed variable 5 yr, and their posted rates are always decent but always you can get a lower rate than the posted one. Just curious if anyone here can give an actual experience with ING so I can get a better idea what will happen when we port over in ~3 years with them.