get a mortgage in principle on paper....it last for 6 months at todays rates keep an eye on the market......review in 6 months and do the same..........I know you're already in a deal but it 'could' be cheaper to buy out and fix at a lower rate longer term in some circumstances.

I think a lot of people will be holding off as long as possible till the signs are there of rises and doing this.......

Lots of variables to try to consider but it's worth crunching the numbers and seeing what options you may or may not have