Weirdly for me with Monzo, my instant access pot o' gold has basically the same, potentially even higher, interest rate than the fixed term option. I've been getting a nice 4.6%! I was dismayed to hear interest rates were going down and monzo reflected this with a new 4.15% rate. Ugh.

I did note that days after hearing that, inflation in the UK rose for the first time again, albeit slightly. Seems like it's a very delicate balancing act, I imagine so many people see even the slightest reduction in interest rate and pull all kinds of triggers.

The 'this is the moment to buy that house!! It won't get better than this! crowd