My EBS fixed 3 year mortgage expires end March - current variable rate seems to be a bit cheaper than new fixed rates (3.7% as opposed to 3.15%). Don't know if it's worth going variable - the difference per month will only be €15 - €20 a month and that's if it never fluctuates which obviously it will. Is it worth losing the security of the predictable fixed amount every month? I'e never done variable before.