and Lloyds were to go bankrupt, the state would NOT back up the insurance.

An example being the following in corporate shuffling/protection: Rich Dad, Poor Dad, Bankrupt Dad?

The gamble is I would go bankrupt if they went to 10% so I guess I am answering my own question that at around 4.5% maybe I should lock it in for 30 years.I just wanted to see what rates were possible for these circumstances as our bank quoted 4.4% so wanted to know if that was competitive.

You could go bankrupt in a month if the system fails and you do not have deep pockets (or a willing bank) to help you upgrade.  

I've read a lot about many investors going bankrupt?

Just read about BiggerPockets on a Motley Fool article about Real Estate investors going bankrupt. 

Then theirs the low...maker of millionaires and the bankrupt.

They signed a contract however the bishop never followed through with the sale then he developed Alzheimers and then he was demoted from his position as bishop as he caused the church to become bankrupt and had signed multiple contracts for purchases he never followed through with.The owners are concerned about the open contract.

If your asking me, I'm more risk adverse and would pay off the school loans, because if they Fannie Mae, you cannot bankrupt them should you go broke.

@Bob Bowling and a lot less chance of a vacancy bankrupting you.