There is one twist in the tale though. AIB did offer us a tracker on ANOTHER, seperate mortgage in October 2010. The background was where we were adding my wife to the deeds of our house after we got married and she also therefore needed to go onto the mortgage. Initially they said we would need to come off the tracker but then came back and agreed to give it to us. This was then set up as a new mortgage at a rate of ECB+ 0.75%. So, the bank were offering tracker mortgages at a rate of ECB + 0.75% as late as Q4 2010.