Here’s the thing—mortgage rates are like the weather in London. You can try to predict it, but you’ll end up carrying a raincoat and sunglasses for nothing.
Most experts agree that fixing for at least five years is a solid bet for the average person. It’s not flashy, but it’s sensible, like eating vegetables or flossing.
So, go grab a cuppa, look at your budget, and ask yourself what kind of peace you want. Then pick a fix that feels like a warm blanket, not a straitjacket.
You’ve got this. And hey, if you get it wrong? You can always remortgage later. That’s the beauty of it—this isn’t a tattoo. It’s just a choice.
