Im just an average Joe too, but my personal feeling is rates are going to come down again, we're still way above places like the states.

Ive no idea how that will effect mortgage deals that are over a few years though, I would expect most banks to be fairly reluctant to enter into fixed deals at very low rates in case they go back up again.

The worrying thing is, we seem to be in such a new set of circumstances at the moment, that im not convinced any of the experts know either lmao

Will watch this thread with interest (pun not intended)

And I agree on the brokers, Im sure they all get paid for arranging mortgages, and if they are being paid, some companies will pay more than others, so thats GOT to influence their decision which to recomend IMHO