I saved £300 a month ditching my tracker mortgage. I couldn’t wait for rate cuts

Dariusz Karpowicz, director at Albion Financial Advice, added: “In the mortgage world, playing the waiting game with tracker rates is like hoping for a sunny day in London - it’s a bit of a gamble! That’s why snapping up a fixed rate is more like grabbing an umbrella on your way out - better safe than sorry.”