I am considering fixing my mortgage at 2.29%. No-one has a crystal ball, but I would be interested to hear any thoughts about why and how rates could drop even lower? I imagine that new mortgage lending volumes will drop significantly as people continue to lose their jobs. Could this cause the banks to lower rates in the competition for the few remaining customers? Or are there other more likely scenarios? I've seen another line of thought that the increased risk profile created by rising job uncertainty will cause rates to rise. Keep well. Cheers H.