In October 2021 we got a two-year fixed mortage at 0.97%.
Why on earth did we not fix this historic low rate for longer!?
Because you've got large monthly payments so the difference between 0.97% and 1.50% would have had a meaningful impact on cashflow?
TBH a significant factor for us in getting a 5yr was to push having to deal with remortgaging rather than some sort slick move, it's all luck.
@hugo7 started
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In October 2021 we got a two-year fixed mortage at 0.97%.
Why on earth did we not fix this historic low rate for longer!?