My mortgage has just come out of its fixed period and now I have the choice of a 5.75% tracker or a 6.35% fixed for another 2 years. I'm tempted to go for the tracker as even 2 increases (2 x 0.25%) by the ECB will still be below the 6.35% fixed rate. What are you feelings on this ? I'm of the opinion that the rate 'may' rise twice more, but once is more probable and then not for long. These rates are with PTSB btw.