Good points guys!
Chip, entirely summed up what I think, only you've worded it a bit better....
Doesntbelong, I do see your point, however, I'm looking for a good deal and I don't really see why I should pay more than I should just because I can afford it.
I'm looking to get my mortgage paid off before the conventional 25year term, and we're also looking to start a family, so I have to reduce my outgoings or micro manage everything with regards to my outgoins so one income doesn't have such a big effect.
All related to each personal circumstace i guess, maybe I misunderstood. I normally go for 2 year fixed rate deals, but this time I'm looking for a longer term, between 3-5 years.