Tracker v Fixed

pollyanna24

I was planning on refixing when my mortgage is up next year, but now with the rates coming down, I am considering a tracker mortgage.

Nationwide do a fee free one which you can then move on to a fixed at any point, which I thought would be good for us.

However, do they start checking your finances all over again if we decide to come off the tracker and want to fix? I say this because I am trying to get pregnant and obv our income will go down. I don't wish to stuck on a tracker if they won't let us move onto a fixed rate at a later period.