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Fair enough, our situation is slightly different, as our circumstances have changed since buying our property (wife left her profession and has struggled to get anything else) we have to stay with our current lender so the rates aren't the best. Looks like you're in a good position and have considered most scenario's. I think you can't go too far wrong with whatever you choose to do, no-one has an appetite to move markets aggressively so if a bit of time passes I expect you wouldn't lose out big time if and when rates change.
Sounds like you have a good grasp of your situation tho, looks like you'll be grand, best of luck.
Bernhard
Thanks, that’s very helpful.
The sums work if we didn’t stay with Nationwide, if we did then we’d be a few hundred quid down, but having fixed in a rate now. If we moved lender then we’d be up regardless (because Nationwide allow moving to a new mortgage 3 months early without penalty).