A lot of people switched to KBC for a better mortgage deal over the last few years. As part of getting a more favourable mortgage rate they signed up for a current account to get a .2% better rate. I have a 10 year fixed at 3.05%. When these mortgages are sold to BOI, even though I have fixed, can BOI increase this rate by .2% or is this current account discount written into the fixed agreement? If so my mortgage fixed rate could increase for years to 3.25%. Will this agreement be protected as part of the sale?