Shop for mortgage deals?

[LondonManc]

But then you live in that back end of no where where houses are a couple of thousand quid. If you actually lived where you were born you wouldn't say that tulip.

If I lived where I was born, I'd own a hospital....

Anyhow, tracker for the next three years is the more sensible option. As others have said, rates will climb slowly otherwise you'd cause a complete housing crash as anyone getting on the ladder after 2008 would be thrown off it.