Who's refinancing March 2020?

[Michael King]

I just got a quote for 3.0% on my primary. On $250K at 4.375% at present, a drop to 3.0 will see my monthly drop by $200, and interest reduction of $300 on the first repayment. Is now the right time to refi, or should I hold out til next month? My bank manager said he's locking his own in at present rates (he probably gets a better rate). I feel like I should follow suit. Any thoughts?