I'm out of my 5yr fixed rate deal (5.2%) at the end of April and as an existing nationwide customer I will transfer to their svr which is 2% above the base rate = 2.5%. ok this is obviously good but I'm torn between staying on this and fixing again when the rates start to climb or tying myself in now for another 5yrs on a fixed rate. There aren't that many good fixed rates knocking about though. What would you do? I have a LTV of 50% so I'm a safe bet with most lenders!