Tony... the rates might not be great, but we are quite high risk customers and most other lenders are offering about 40k less than the mortgage based on the above figures.
I think we are edging towards the fixed rate 3 years, just so we know where we stand (having been used to paying fixed rents for the last 6 years)
Just need to find out it i can rent one of the garages next to the house for a mk1 1.8T 
Ive just re mortgaged with the Yorkshire building society, im on a 3 year tracker with a drop lock facility - where i have the option to move to a fixed during the 3 year term with no fees. I guess this could be a decent compromise - take advantage of the low rates now (which i think wont increase for a while yet) but have the ability to fix if the rates start to increase...
worth a look?
HTH
Rich
