I took out a fixed rate mortgage for five years in Feb 2011. However, opted for a deferred start for 3 months. Does that mean my fixed rate is up from when the mortgage was drawn down as my understanding is that interest is added from then or at the end of the deferred start. As thinking that I will have paid for an extra 3 months then at the higher rate of interest?? Was thinking I would be moved to variable this month but still on fixed