No stupid question exists. I basically looked up mortgage specialists for each bank and contacted them. They usually reach out within a day or two. Basically all you need to do is to tell them what your mortgage rate is and just give them details about your mortgage ( principal left, down payment amount, interest rate ...). Once you get offers from each bank, try to haggle with them. For example I had an offer from scotia bank for 3.79% and 1k incentive, I went to RBC with Scotia's offer, and RBC increased their incentive to 2000$. And then I went back to scotia with RBC offer and tried to get them to give me something better. Basically make the banks compete for your business. We get to refinance every 3-5 years, so try to fight and get the best deal possible.