Mortgage shopping is not all about finding the best mortgage rate. There are so many variables in a mortgage product to consider and your rate is just a small portion of it.
If you save a couple points on your interest rate, but have a $20,000 penalty for breaking early is that really worth it? You may also get much more favourable terms and conditions.
Go into your real estate purchases with a plan, as well as scenarios that can change. This will set your future up for success!