i bclosed on a new house in Dec 16, i have just completed my 3rd mortgage switch,
Originally went with EBS, took 2% cash back, 3.5% variable
5 months later switch to BOI, took 2% cash back, 3% fixed
Recently switched to UB, 2.5% fixed over 5 years, 1.5k cashback to cover legal fees
so it can be done and its pretty easy, obviously more worthwhile the bigger the morgtgage is as the legal fees are a fixed cost.