Have been going over the options in my head for 3 days now.
Tracker rates are very low, 5 year rates are looking uncompetitive (well over 5%). The savings we would make in the first year are HUGE but would be then be unable to fix in a decent rate when rates start to rise (inevitable at some point)
Oh wise mumsnetters, tell me what you have done.
Mortgage is large and will halfish of our net income, we can't afford it to double!