Mortgage clients are most of the time rate sensitive, while this is important, it should not be the only consideration.  What rate do you offer? must not be your first question…
It should be:  What financing solution best suit my plan of….

I have had clients who are only focused on a 5 year term rate and have a plan of selling their home in the next 2-3 years.  Is a 5 year term the best solution?  It depends… maybe a variable open or a secured line of credit or combination of both might be better, maybe a 3 year term…

Always is safer to focus on your plan.  Saving 0.1% interest or an average $100 per year is nothing if you are hit with a penalty for breaking your mortgage contract.

Always, be upfront and tell your plan to your mortgage advisor.  There is so many options available out there that one type of mortgage cannot serve best all people.