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Sounds like a mistake on their behalf. I'm on the same rate since 2011 my monthly payment only goes up if the ecb rate goes up. I have never received a rate letter since then.

Thank for the explanation it's so confusing. Just seems strange UB would automatically give me a tracker plus a small fixed in 2011. Thanks again

Hi thanks for the reply ... it's says it was a discounted variable rate of 3.13% saving of 0.4% for the first 24 months. Then the contract outlines I will pay 50 more on the repayment for the remainder of the mortgage of 336 months. After the first 24 months I received a letter only outlining...

Hi guys I am also a former FA customer now with UB. Long story short in 2011 I was offered a one time only offer by UB to go on to a tracker after my 3 year fixed rate at 6.15 % ended.i took it at ecb plus 2.8% fixed. Prior to this one originally started out my mortgage in 2004 and in 2006 the...