Original loan letter says that if at end of any fixed rate period lender offers the borrower a choice of interest rates and borrower fails to exercise that choice then interest rate applicable will be a variable interest rate.
After my initial 1 year fixed, I was offered SVR, various fixed rates and tracker (which i chose)
I can't be 100% sure but I think I moved to SVR in 2006 as the rate was lower than the tracker at the time.
Before I moved to fixed rate in 2007, I was offered SVR, 2 year fixed and tracker options. I chose 2 year fixed.
As I said in my original post, I'm not really sure if I am entitled to go back to tracker, curious really. I know at the time I probably came off tracker as rates kept going up and I was going on maternity leave so wanted to know exactly what my outgoings were going to be, ie it suited us better at the time.
But if there is any loophole at all to get back tracker, i would obviously jump at it, like very one else.