Fixed vs tracker in 2026 — what are you going for?

Remortgaging in June. Current deal ends and I need to pick a new product. Broker is offering:

- 2-year fix at 3.89%
- 5-year fix at 4.15%
- 2-year tracker at base rate + 0.75% (currently 3.75% total)

The tracker is cheapest now but obviously carries risk. The 5-year fix gives certainty but costs more. Markets seem to think rates will come down but who really knows.

What are people going for in 2026?