My fixed is at 2.49% with the ability to overpay by 10% of the outstanding amount, or at least it will be assuming all goes well with the survey this week. Variable rates were about the same.
As an aside, we’re potentially looking to rent the flat out in a few years time using the capital to buy the next place. As moving to a buy to let mortgage will require 25% deposit, is it better that the house price stays low so that the required deposit is smaller or that the value goes up increasing the capital? Maths is not my strong point, I much prefer colouring in.