Nobody has a crystal ball, but we can listen to educated guesses! Here is a recent article from Mortgage Sandbox on the Bank of Canada target rate forecast to 2022:
https://www.mortgagesandbox.com/mortgage-interest-rate-forecast
When should you break your mortgage for a better rate?
In this recent article, Pattie Lovett-Reid answers this question: When should you break your mortgage for a better rate?