ING Direct is showing a 10 year fixed mortgage at 3.65% which I don't think you can beat these days. That is a great mortgage historically. I'm not sure of their pre-payment terms or mortgage penalties?
CanadaMortgage.com
One other thing, the best thing is to find the Bank you like their mortgage products best and then just show them the rates being offered by the other banks, and they will definitely match them. I have always had my mortgages at Scotia and I like their prepayment terms and the flexibility in changing between products and the total equity plan where you can borrow on the line of credit component any time without having to worry about approval, etc.