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Question on UK mortgages, fixed rate offset? - best uk fixed mortgages

I EUR 520'000 savings. No home, I'm 100% in cash. I expect a decline in property prices. Do not try to tell you, polemicist, no, they want to. What do I need to know is to allow me to say, € 600,000 in one day, but the fixed interest rate. Be set 4.5%, to 2014, but postponed it when I 520k in the bank I pay 80K at 4.5%, if I have 400k in the bank, I'll pay 200k etc. at4.5%

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