I know the final decision will have to be mine, but what are your views about fixing or not? My mortgage ends this month and I'm looking at trackers versus 2-year fixed deals.

Also just wanted to clarify something on the comparison sites. If the products are ranked in cost (low to high) over the 2 year term, then why in the next to last column - overal cost for comparison - are these percentages not also in the same low to high order? Here are a couple of examples:

Example 1: cost over 2 years: 9249 initial rate: 4.39 then 4.24 overall cost for comparison: 4.3

Example 2: cost over 2 years: 9324 initial rate: 3.79 then 2.49 overall cost for comparison: 3.1

The first has no arrangement fee and the second has a fee of £999. Since the rates in example 2 are lower I expected the cost over the term to be lower especially as I thought that the overall cost for comparison column would have factored in the arrangement fee.

Please advise.