fix in to mortgage or tracker or go onto variable?!

[pinkcowprint]

Hi our mortgage is coming to an end nxt month.we can fix in at current rate of 4.49% which we are on now...or go onto the variable of 4.29%..i think the tracker rate is same as the fixed..anyone predict if thy think fixed rate will go up soon or stick with variable for a few month in case it could go down?

[boxtops]

I stayed on fixed last time, at least you know where you are with it. 0.2 %per cent variation isn't going to make that much difference each month - and variable (as they say) can go up as well as down....

[Booldawg]

plus one with boxy. Not attractive enough difference in interest rate to take the risk of tracker.

[bednobs]

i dont really understand your question - a fixed rate is fixed, meaning it will not go up (or down) soon.

[Captain Spod]

I'm with the first two, your budgeting will be certain during the fixed period. Bednobs: it's to do with the fixed-rate deals on offer in the near future, can we expect them to be lower than they are today?