We paid over the odds for our house to get one where we wanted but fortunately it was the middle of a boom and there have been some hefty price increases locked in since then and all the while we have been paying it off like a bastard. I think we have two to three years left on our fixed rate. I hope things have calmed somewhat by then!
I had a variable rate back in the day roundabout 2007/8 just after the financial crash as the rates just lept falling and it made perfect sense. Iwould never go for one right now!