The Bank of England has just dropped the base rate from *4.25% to 4%*, and my inbox has been full of one big question:

 

💬 “Should I fix my mortgage for two years, five years, or take a variable tracker?”

 

In this episode of the Blueprint Podcast, I break down the pros, cons, and market stats you need to know so you can make an informed choice whether you’re a security seeker who values stability, or a gambler looking to play the market.

 

Here’s what we cover:

 

* *Where we are now* – the latest rates, deals, and lender sentiment

* *Two-year vs five-year fixed* – why the gap is so small right now, and what that means

* *Variable/tracker rates* – when they can work and when they can bite

* How fixed rates are actually priced (and why two-year deals are cheaper in some markets)

* My own strategy – why I pair five-year commercial leases with five-year fixed mortgages for security and insurance

* Lessons from the last 15 years of rate history

 

🎯 *Bottom line* – It’s not about chasing the cheapest rate, it’s about choosing the option that aligns with your time horizon, risk appetite, and financial plan.

 

📊 Whether you’re refinancing, buying, or just curious about where the market’s heading, this episode will give you both sides of the story so you can decide with confidence.

 

Success and failure are both very predictable.

 

I hope you enjoy.

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