Medium-term I guess. I&#x27;ve got 2 years left on the fix, then it floats.<p>Everyone says rates have to rise eventually. But so far we&#x27;ve gone 7 years of near-zero rates. If there were a dramatic shift I could take a payment holiday and put it all into savings, but I doubt I would. As for inflation, it affects any form of saving equally - nominal 4% interest is better than nominal 3% whatever that is in real terms.