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@daaaniel !thanks. It's a good point, I did do the math up to even 10%, I don't have debt and I could survive but that's all I'd be doing - surviving (eating, sleeping, working repeating and living off 20kg bags of rice). I went for the 5-year fix in the end as I can live comfortably and enjoy...

@jesus2 Agreed, there are many bad brokers around but my broker wasn't pushing either, he's a good broker - just gives me the facts/rates/what's available to me and answers any questions I have. The differing opinions and advice were between two close friends advising.

@jamieslilwifeypoo !thanks - Just replying to the comments, I went for the 5 year fixed. I agree it's all up in the air and everyone is so indifferent on how the next few years play out. There are a lot of issues with the world right now and I genuinely believe it's a lot bigger than rate...

@alabasterjar !thanks - I went for the 5 year fixed.

@leeza He just got back to me. Even with my situation the best rates around were only 0.7% lower for the 2yrs and 0.2% lower for the 5yrs. Tracker was the best on the market. I wish things were clear cut but alas I need to break out my crystal ball and risk it for biscuit either way.

@leeza !thanks This is a good point. I'm in the civil service, this is a promotion to a different department and I'm not on probation. So this job is permanent (effectively) and I'm good at my job (if I say so myself haha) another thing to add to the weight of my decision between a tracker vs...

@jasdaz !thanks

@lostangelwings You're god damn right: !thanks

@kylee224 !thanks. I'm just trying to figure out if I'm playing poker or roulette while gambling haha

@ctiffany !thanks

@julia736 !thanks. Some good pieces to read and digest.

@faithiskey !thanks

@ligerheart25 !thanks For some reason a tracker hasn't been mentioned but the reasoning works, I just asked my broker and starts at 6.19% £1815 - I agree, risky but has more potential, than the 2yrs given the numbers.

@ligerheart25 !thanks This was my general feeling last week until the confidant who works as an underwriter called me insane haha

@yadayah !thanks I replied to another comment but just incase I'll copy pasta the response for clarity with the 2008 bit: I think I should add some clarity to the 2008 comparison, he wasn't comparing the exact mortgage situation to 2008, his thought process was how the banks have been...

@simplyconfused Yup, #cryface - tough decisions !thanks

Hi all, Long-time lurker and a first-time poster. As the title says I'm stuck between those two deciding rates/years. I'll lay out some background to clarify my circumstances and situation. Background I've been in a tough situation and separated from my partner, our house is sold and due to...