We took out our mortgage 2009 with BOI the LTV was less that 75% our current variable rate is 4.05%, (which seems good for BOI from what I have read). I changed jobs within the education sector last year so am a year and a half away from a CID (permanent) contract. When I spoke to KCB to move but they did not want to know until I had a CID, so I am stuck with BOI for now. My Question is, as BOI have been poor at passing on ECB rate cut should I fix for a year at 3.8% or stay on my current variable rate and hope it drops?