I am in the same position as the initial poster. Coming out of a fixed rate this month and have been offered much the same as the above :
Standard Variable 3.25%
LTV Variable > 50%< =80% 3.29%
1 Year Fixed 3.59%
2 Year Fixed 3.69%
3 Year Fixed 3.89%
4 Year Fixed 4.19%
5 Year Fixed 4.39%
We have 257k(+interest) over 24 years outstanding on the mortgage. Based on other posts I have seen on here, I am thinking of mix between a 3 year fixed and the standard variable. Its just a question of what way to mix it up, 50:50 or another mix.
I know its very difficult to predict what's going to happen with regard to interest rate rises from the ECB and the banks themselves but has anyone got any opinions/advice?
Thanks