Which home loan would you suggest now and why?

We are looking at purchasing a house in Tokyo in the next couple of months. I have been approved by our bank (MUFG) for a variable loan, but was wondering if there are any others anybody would suggest and/or if we should look at the flat 35 loan? I was always told the flat 35 was the worst choice, but it seems like a prudent one at the moment with all of the rates jumping. If this is a suggestion which one give the best terms/rates?

Thanks in advance for any advice.

by liveintokyo2022