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A bit late to this and it may already have been answered but when our rate ended we switched to a tracker at 0.75 above BOE base rate. Cost an arrangement fee but that is equivalent to the savings from the tracker vs std variable after 3 months. No exit fee so we can swap out anytime for a fix if the rates come down or ride the tracker for the full five years.
Ramsaye
damn.
oh well.
I am still going to stick with my plan... ride the variable for 6 months to see if the market recovers enough from the minibudget mayhem and whether inflation comes a bit under control, and move to a fixed in late Summer 2023.