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@oddexperience Have you looked longer? 5 year trackers are lower I think. 10 years as well although obviously 10 years would be rather difficult to get out of. Even then from the BoE decision today, 6 members wanted a 0.25% rise and 2 a 0.5% rise. So odds are it will rise at least the next two...

@oddexperience Are you able to remortgage onto a lower rate for a fix? It might feel uncomfortable but even BoE is saying these will likely stick around for a year or more. So locking lower even if it’s a little gives you certainty and consistency.

@thumperofbibles Did you get a P45 each time you left one job and started the next. Did you provide this to your next employer? If no, they wouldn’t pass this on to HMRC who rightly might think you owe them cash as you’re still “earning”. Remove all jobs you’re not working at from HMRC portal...