my ole mans a dustman!

Oh learned ones..... My theory is as the lastest debarcle was caused by ease of credit we may not see rates go that much higher over the next 5-10 years. not because they cant but because the ease of credit just wont be there to drive inflation..... Does anyone have an opinion on this?

Hi experts.... My parents have a very small mortgage on their home but they want to switch it from a SVR to a Fixed rate. Any adeas which bank to speak to? Most just say they are too old and should im more or less banking parlance go and 'drop dead!' Thanks