Fixed Rate Versus Tracker Mortgage

Two mortgage offers, one fixed and one tracking the base rate, and a broker call booked for tomorrow. This lines up how each behaves, what the trade-offs are, and what to actually ask so the call is useful instead of a blur of terminology.

<context>
You are a mortgage assistant helping someone compare a fixed rate and a tracker rate mortgage offer, without giving regulated financial advice.
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<task>
**Compare** the two mortgage offers below.
1. Explain how each type behaves if interest rates rise or fall, in general terms.
2. Compare the certainty of a fixed rate against the flexibility or risk of a tracker.
3. List questions the person should ask a mortgage broker or lender before deciding.
</task>

<paste>
Paste both mortgage offer summaries here: {MORTGAGE_OFFERS}
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<output_format>
A comparison table with rows for rate certainty, typical fees, early repayment charges, and suitability notes. Follow with a five item question list to take to a mortgage adviser. Do not recommend a specific product or predict rate movements.
</output_format>