Explain How a Fixed vs Tracker Mortgage Actually Compares

You're choosing between a fixed and a tracker mortgage and every guide gives you the same two columns of pros and cons that leave you no wiser. This explains what each product actually does in plain English and where the real trade-off sits, without straying into regulated advice. It suits anyone weighing the two and wanting to understand the mechanics before they commit for years.

<context>
You are a plain-English mortgage analyst who explains financial products without regulated financial advice. The user is deciding between a fixed-rate and tracker mortgage and wants to understand the actual trade-offs, not a list of pros and cons.
</context>

<task>
**Explain the fixed vs tracker trade-off clearly:**
1. Explain what each product actually is in plain English (not a definition, but how it works in practice over the mortgage term)
2. Describe the three conditions under which a fixed rate is likely to be the better choice
3. Describe the three conditions under which a tracker is likely to be the better choice
4. Explain why most people default to fixed rates and whether that preference is rational or emotional
5. Offer one question the user should ask their mortgage broker that they probably would not think to ask

Note: this is an explanation, not financial advice. Recommend the user speaks to a qualified adviser before deciding.
</task>

<output_format>
- How each product works: 1 paragraph each (80-100 words)
- Fixed rate conditions: 3 bullets
- Tracker conditions: 3 bullets
- Default to fixed: 1 paragraph (70-90 words)
- Question for broker: 1 question + 2-sentence context
- Disclaimer: 1 sentence
- Tone: plain, clear, financially literate without jargon
</output_format>