With the recent media coverage with tracker mortgages I decided to investigate my own tracker mortgage rate. It turns out that my initial loan offer in 2006 was 1,25% over ECB, IO for the term of the mortgage (37 years). Then in 2008 (approx) I fixed the mortgage for 3 years as the rates were increasing. It turns out I was put back on a tracker rate of 1.50%. I have today requested a full data access request to see what the terms were. The chap in Pepper wasn't quite sure of the docs on file when I phoned to enquire. Anybody have experience with this? Should I have gone back to the 1.25% tracker or did I give up this tracker rate when I fixed? Thanks for reading.