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  • What is the general feel on interest rates over the next few months? My fixed ends in July but can switch now. I have no idea why, but I have a gut feeling they may drop ever so slightly before July.

  • You should get a deal now pencilled in just in case to fall back on. You can do 6 months in advance but your not held to it if something better comes.

    Our mortgage adviser thinks they may drop a bit by then but 🔮

  • Yes, did a bit more reading since posting that and it looks likely that they may go up a bit more before July so have just fixed for two years. We have been over-paying £200 a month for a bit and the new payment is £250 more than our current standard payment so shouldn't notice it, just annoying that we are no longer over-paying.

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