What mortgage should I get that would yeild the smallest monthly payments possible for cashflow as I am keeping the property. In my market Variable rate is 3.5% and fixed 5 yr is 4.6%. My broker also told me about cashback programs that would give you 4% cash back on your down payment through first national trust. I know the rate would be higher but I don't know by how but I would only require 1% down payment. So what should I go with for my situation? fixed (open, close), variable, or any special mortgages?

Thanks guys