Thinking of going with ulster bank 4 year fixed at 2.6%, which seems like the best on the market. Just wondering do people give much consideration to the variable rate at the end of the fixed rate period?
UB variable rate (currently) is 4.3% when you come off a fixed rate in 4 years, I guess I’m trying to determine how relevant is it to a decision I’m looking to make now!
KBC do have a similar fixed rate, with a much lower variable rate at the end of 4 years, however I’m conscious that KBC rate will most likely not be 3.3 in 4 years

What’s people’s thoughts in general? Very aware it’s a crystal ball scenario and someone is always right and wrong at the end!