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@cliveo
In 1989 we moved house, upgrading considerably. My wife went back to work after Christmas, had a flaming row and walked out without serving notice. She then found out that she was pregnant, which no doubt accounted for her behaviour or intolerance of the behaviour of others. No maternity pay. Interest rates then hit 16%. We moved again in 1996. House prices had only then returned to the level that they were in 1989. We took a five year fixed mortgage in trepidation after our earlier experience. Interest rates fell.
There is no moral to the story other than, make sure you can cope with whatever you take on.