early withdrawal

Albermarle

Although it doesn't help the OP, one thing that might come out of the latest energy crisis is people reassessing the amount of free cash savings they need as a buffer versus how much they feel they are safe to tie up in fixed term accounts. Although that's only relevant to the people that have savings to start with.

I have read a few times over the years, that it is generally not recommended to fix for 5 years, as the world and/or your own personal circumstances can change so much over 5 years. I suppose this thread backs that up quite clearly.