Originally I was thinking of getting a 2yr fixed mortgage but speaking with a mortgage adviser at an estate agents they said if I plan on staying in property for 5yrs (however my broker suggested 2yrs!) odd then better to go with long term as more safe so kind of thinking of the 4yr though slightly higher rate making my payments about 35 quid more each month but I wonder if its worth doing as maybe rates will go down. How did you decide when arranging your mortgage on the fixed term?
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