Yes from looking at their website it does seem that they are offering a 2 year fixed rate of 3.1% and 5 year fixed rate of 3.7% for customers who have a LTV of less than 50%. Now currently they are saying that their SVR customers (80,000 of them) have an average loan of €65,000!!!! Which means there are a heck of alot of them that would be able to avail of this fixed rate??? I am not one of the SVR customers with such a low mortgage - haha I'd have to cut about €190,000 off my mortgage to just have a LTV rate of <50%.