Hi. On 4.65 variable with tsb. Looking at options of 5.25% 2 year or 5.75% 5 year. Leaning towards 5 year as this rate could look good in 2 years time... Any opinions greatly appreciated.. Stuck with tsb can't switch at the moment
Fix for as long as possible once you are not planning to move, overpay or repay the mortgage within the 5 years. In the long run it may cost you more than the variable but you are paying for peace of mind.