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Thanks Paul, it's September 2022 so I can refix or end of July as is 60 days out from end date. I'm in a difficult position where up to now computer has said no to get ex off mortgage despite me having sole responsibility through divorce agreement so I may only have an option to refix with...

Hello, be interested to see what the calculations are for me, thanks for taking the time. Current lender Ulster Bank Outstanding mortgage balance (how much you still owe) 209000 Approximate value of your property 295000 The date you started your fixed-rate mortgage (month and year) September...

Thanks Brendan, I wasn't sure if I was gonna be ok to wait til July but that's good to hear they wont have pulled out by then,ill just have to watch the interest rates so

Hi there, apologies for yet another thread on UB but I can't quite find one the same as my situation. Currently on fixed rate with UB of 2.85% due to end 30th September this year. Balance is 210,000 with 27 years remaining. I am trying to beat a rise in rate when the mortgage moves to PTSB. I...

Got a letter the other day to say there is no update and they'll update me in 60 days

Hi Pete, I do have the whole contract and there is no mention of the actual rate or type of mortgage that follows the initial 3 year fixed rate - it only states the actual repayment amount following the 3 years. Very very strange, I'm not missing anything as it was all stapled together. Have...

Thanks Tom, I'm gonna persue it. Letter going in the post today. I won't be any worse off anyway!!

Hi all. Thanks for your posts. I do not have a page 2. Just a one pager loan offer letter. It only says loan type fixed until 2010 then monthly loan repayment x from 2007 and then y from 2010 with no mention of new rate. The only mention of tracker is the paragraph I quoted above at the end...

Hi, it seems I'm pretty late to the tracker party having checked my terms and conditions umpteen times to see was there any mention of a tracker and saw nothing. We got a mortgage in 2007 and decided to fix for 3 years initially and in Sep 2010 reverted to SVR as only options given were that or...