After being on a lifetime tracker for the last 6 years, I’ve fixed today for 5 years with HSBC (existing lender) at 3.49%. I really couldn’t be bothered to hunt around for the cheapest and no product fee made it easy. My tracker had recently gone up to 3.24% in total. Another £30 extra a month.
However, one more BOE increase of 0.25% and I’ll be paying what I’ve just fixed at for 5 years anyway, so peace of mind I suppose.
Just wish I’d looked at this last year or earlier this year. I’ve been really slow in reacting.