Hi. We have a BOI tracker mortgage. Our rate is 1.1% above the ecb rate and now with the very recent increases its changed to 3.1%. We still owe €220k on our mortgage and have 20 years left to repay it. Our home is currently worth €375k to €400k. We are wondering should we fix with BOI and for how long eg 5 or 10 yrs or try and switch to a different provider and still fix?. We don't plan on paying off our mortgage early. Thanks.