Hi, The best advice would be to go for a 2 year product now, expectations are we may see one or two base rate increases in the next 2 years. If this is the case you will be able to lock into / review things and get a good 5 year fixed in 21 months time (when you should be reviewing the next mortgage). Locking into a 5 year product now will mean that in 5 years time you will be looking at a much larger rate when you come to remortgage, you are also tied in so will lose any flexibility and wont be able to take advantage of any house increases which would allow you to access better LTV products in 2 years if you went for the 2 year product. Hope that makes sense. David
