rate 10% next year? it s very circumstance rate 10% next year? it s very circumstance dependent. i rate 10% next year? it s very i circumstance dependent. some rate 10% next year? it s very circumstance dependent. some people say i m buying a property i will refurbish and thinking of selling it in a year ortwo refurbish and thinking of selling it in a year or two years, so fixing it for them might not be the right thing to do. having said that if you re living somewhere for a long period of time and you want to fixing and you don t have to worry about the mortgage at all, it s good to potentially fix it for you, but with lending, there are so many different lenders that operate different lenders that operate different schemes and bits of criteria and there are some lenders out there still not offering fixed rates of some kind, so if you have an niche scenario you might find you will struggle to find that rate. it s not something that everybody is doing, but very much a circumstance