Soldato
That's not always true. My mortgage payments are going up in a few months. I've been on a 2 year fix and during that time I've paid off enough of the capital to move into a lower LTV band but the higher interest rate now means that overall my payments will be going up.
Yes, interest rate fluctuations can mean it goes up, but the overall trend long term will still be downward. Ours was £470 a month when we moved, but overpayments make a difference and you can soon lower your monthly payments.