Press release from BOI in 2006 stated that all new business fixed rates rolled to a tracker (can't post link yet). Am getting a copy of our Mortgage Offer to check this to be the case. We started on 1 year fixed and then moved to 2 year staff fixed rate and then tracker was removed as an option. According to John O'Beirne I should refer back to my original letter of offer and not any interim MFA document. On this basis, I expect our default rate to have been a tracker rate.