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3.91% is a very good rate, and will be for at least a couple of years. You got offered that rate because that was the lenders predictions of the time, and people would kill for a rate like that now. Even if the base rate does fall to 3% or even lower within the next 5 years you have done VERY...

It's increasingly looking like not only have we seen the last of the increases of the base rate, but it could even go down sooner than predicted. For me, I have just been approved for a 5.49% remortgage, up from 1.9%... however it doesn't start until March '24, so I still have a bit of time to...

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