I have my mortgage with Ulster Bank since 2007. In September 2012 I signed to a 3 year fixed mortgage. I contacted the bank in September this year (2015) looking for my upcoming options. They informed me that my fixed rate was to be continued until end of Dec 2015. That would be 3yrs and 3mths. I have paid €150 extra for the last 3mths over what my new rate will be. Would this be normal practice? What if I took a fixed rate in Feb or March, would it run until end of year too?