No, problem, We were given a customer copy of our loan agreement and part 4 is called general terms and conditions of offer, it is part 3.2 of this section"Further fixed interest rate options/choices." and the wording is exactly as quoted by kopkidda. Hope this helps. Just a quick update was contacted after our meeting to say that the bank no longer offers tracker mortgages. Was advised by the contact at our branch to put the request in writing and get a written response then contact the Ombudsman if I feel we have grounds for a complaint. If anyone else has received any other info would appreciate the updates! Thanks.