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I tend to be cautious with investments which is why my gut instinct is stick.

I think I'd be inclined to pin your bank to a written quote with a full understanding of what happens at the end of three years.

3.9% is probably a headline - in other words a potential best offer. Unless you have £20 notes falling out of your pockets it sounds remarkably good.
( The Disappointed Caravanner of the year, Sat 20 Aug 2011, 21:47, Reply)