SARON is the best long run financially if you’re a high income earner. Go with whatever allows you to sleep better.
We got 0.9% for 10 years 2 years ago. Makes budgeting easier. Let’s look at the rates in 8 years. Might switch to Saron yet.
I wish we’d gone with Saron, though. The best thing about Saron is that you can get out of the mortgage within a short period and can move when you want, and you can pay it down as soon as you want.