I am very annoyed I'm coming of a 2 year fixed onto a standard variable rate and don't want to pay 4.5 % interest rate. I rang the hem weeks ago after getting a standard letter of new fixed options.i explained I'm in positive equity and in the lTV ratio of below 60% and should be entitled to new business variable rates of 3.9%..They said they would address it and get back to me in writing. I just got told on the phone my request has been ignored and I hat I am receiving the same fixed do rate options in the post early next week..I move onto a Svr next week and even though my repayment the net goes up by about 5 euro a month.im extremely annoyed I've been treated with utter contempt..I'm not really in a position to switch as my wife currently on maternity leave..The house is worth over a 100 k more than the mortgage plus they are trying to butter me up saying I'm excempt from a valuation because I bought in 2013..I feel bullied into fixing again..If I did at 3.6 % we would be in a position to switch in three years time with an even lower LTV..any advice is this the way to go