Given recent discussions on this forum, it seems minister Noonan won't be putting any more pressure on banks to reduce rates and it doesn't look like BOI will be reducing their SVR anytime soon. Since we are at 4.5% we feel it makes sense for us to fix. We can get 1/2/3 year at 3.6% or 5 years at 3.8%. We are facing into a very expensive few years expecting our first baby in a few weeks and will hopefully have 2/3 children so childcare will be a huge expense for us and fixing and having certainty is appealing to me. Any ideas on how long we should fix for, what would you do?