Just realised that I never accepted the 4.64pc offer and it's now expired, and 4.90pc is the equivalent now. Very annoyed at myself. I wonder if i accept the latter, or just go onto the variable for May when my current fix expires, assuming interest/mortgages drops in May and then i take up a fixed deal if back at 4.64pc...?
At 4.64pc, my payment would have been £946. On 4.90pc, it will be £963. Over 2 years, this adds up to £17*24 months = £408 cost of my mistake. If I roll into my variable, May would be £1,110, so £147 extra. So spend/gamble £147 to potentially save £408 if rates drop...?