To want to fix our mortgage

[Justwantanicepeacfulholiday]

Just that really, we are on a tracker rate, and I’ve been asking DH to fix it since February and he’s refused all along. He says the rates offered only reflect what the banks think the market is going to do. I’m so so worr About rates going up. I think we are 1% above Bank of England base rate which was really good during covid but could get crazy.

I went self employed three years ago (massively affected by covid) so I don’t even know if I’d get offered one atm. DH trained in finance so I never feel like o can say anything against what he says. I thought when we signed up they said we could freeze at any time for two years but he says we have to reapply.

YANBU - switch to fixed rate.
YABU - keep tracker

I've said YABU, not because you shouldn't look at fixing, but because you don't know what the mortgage you have could do. Get the paperwork out and have a look.
Also, look at the predictions for base rate by the end of the year, and see what your repayment would be at that point, and how much the interest rates need to climb before you would be better fixing at a rate available now.

Basically, find some information rather than relying on feelings and DH.