Hi all Currently have about 7 years to go on a 20 year mortgage of 300,000. Have a tracker mortgage that costs about 1450 a month with Ulster Bank. I know that trackers are generally jealously guarded but I'm conscious that interest rates can only go one way. I'm wondering whether I would be better off moving to a fixed rate that would give me certainty over the last few years of the mortgage. There's about 128,000 outstanding on the mortgage and the house is worth about 750,000. Any advice appreciated.