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@StonehamPark should consider putting his spare money is a cash ISA, Virgin are doing about 5% for 2 years. Make little sense paying off when rates are 1.9%, the cash is locked up and you can get a better return elsewhere.

We still have a Labour shortage which is helping make inflation embedded. Who knows where things will peak, 4.5% base is already priced into 5 year fixes. Mortgages deals of 2's and 3's are now ancient history. Affordability back to the early 90's for first time buyers.

Rates up to 3% The question is now, to fix or not to fix?