Up!

Don't know when or by how much and I don't fret it.

I've just changed bank and fixed 2/3rds at 6.09% for the longest term. The other 1/3rd is at 5.99% on a revolving credit loan. All with no bank fees.

I'll hammer the revolving credit over the next two years and not sweat the fixed. The revolving credit also gives me an immediate 5.99% net return on any spare cash I have. Obviously if interst rates do go up my return will be even better.

No-one can tell you what rates will be in 2 years or five years so its not worth worrying about. The main thing is to have a plan, make sure its manageable, monitor during the term and reassess when the term is up.