I am lucky enough to have a Danske Bank tracker with an interest rate of 0.5% above the ECB. I have it since 2006 and it has always been at this rate above the ECB, and the various annual statements from the bank over the years have restated this. It was the rate we agreed based on the LTV at the time. The problem is that official letter I have from the bank from 2006 states that the rate is 0.79% above the ECB. Should I be concerned ?