Is 4.79% 3 year fixed a good rate?

We are renewing approximately 700k mortgage. There’s about 550k in equity. 20 year amortization. Excellent credit. Annual income around 250k.

We’ve tried 3 of the big banks and a broker and this is the best we are being offered. It includes 3k cash back, half of which will cover fees to transfer, so net 1.5k. This is BMO.

Should we keep looking? Anyone getting better? Any advice is welcome.

Thanks!