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Trying to decide on whether to go for a fixed rate or a tracker mortgage... the fixed rate is obviously not as nice as the tracker unless interest rates rise.... what do you think i should do?

If you could accurately predict that one, you would get a healthy bonus in the city. so much could happen that could affect it, go for one that best suits your circumstances and one that you can afford should it increase. it is like an insurance policy, get a 5 year fixed and pay slightly more, or go for the cheapest options , tracker etc and if it goes up by a large amount you will end up paying more overall. it only takes, bush to do something stupid and the knock on effect reaches everything.