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FWIW - the press release in early May 2008 (from BOI website) is explicit that all fixed rates (new and existing) rolled to a Variable Rate afterwards: "2 Year Fixed rolling to Variable VRP15 all LTVs 3.6% 3 Year Fixed rolling to Variable VRP15 all LTVs 3.7% 5 Year Fixed rolling to Variable...

Brendan Appreciate the wording above is clear and it all depends on the original mortgage agreement. BOI's terminology used in the past does create expectations though for mortgage holders that all fixed rates rolled to trackers. Press release in Feb 2006 - - announcing changes in rates uses...

Press release from BOI in 2006 stated that all new business fixed rates rolled to a tracker (can't post link yet). Am getting a copy of our Mortgage Offer to check this to be the case. We started on 1 year fixed and then moved to 2 year staff fixed rate and then tracker was removed as an...

.........and this rates table (for retail non-staff customers) seems to imply that Fixed rates only rolled to tracker rates (May 2008). There is no line for Fixed Rate rolling to SVR..... Source link: Finfacts.ie

Good to see the momentum here. We drew down in 2006 on 1 yr fixed new business rate (discounted) and then moved onto the 2 year fixed rate (in 2007) until 2009. Was never on variable before then. Queried the lack of availability of the tracker with HR in 2009 and they insisted it was not...