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