First piece of advice - don't stress. the fact that your thinking about Feb 2010 means that you are probably 10 times more sensible than the halfwits that are currently on 125% mortgages and wondering why they can't add to their 50K credit card debts. Relative to them your bank probably thinks that you are an angel in disguise.

There is no way you should change you mortage at the moment as you have a very good deal. I would also not pay off any extra at the moment (rare that I should offer that advice, but times are special!). I suggest that you take everythign you can save every month and put it into a really good regular savers account, the type that are currently paying 7-10%!

Keep doing this and by feb 2010 you'll have a nice little nest egg. At that point if the world is still mad and you can't get a decent mortgage deal and are forced to take a SVR deal, then at least you'll have a lump sum to help pay off the monthly extra for a year or two, until things get bac to normal and you cen get a fixed rate deal again.

I've been in banking for 20 years and normally paying off debt is absolutley the smartest hting anyon ecan do. BUT NOT NOW. For the short term the smartest thing anyone can do is STAY LIQUID. That means paying the bills every month, and if need be no more. Put everything extra into savings, so that if in the future your monthly outgoings go up, you can still pay them and stay liquid.

Good luck