Before any harsh judgments abound, I am not arrogantly demanding a new tracker (which doesn't exist but would of course wish to retain at least part of my tracker). I am totally sympathetic to those paying high variable/fixed rates and agree with the push to redress that. However each person's circumstance is unique and no less relevant. Those of us who are lucky to be on trackers that enable us to pay lower interest rates are sometimes stuck with not being able to move from those particular banks. If I was with any other bank I could get an offer of maybe a split mortgage with x % tracker/ x % variable which would be an enabler to sell and move. So yes its unlucky and although I am lucky to have a tracker, I still can't afford to move which I want to do. There must be many people in the same situation who are excluded from those current mover partial retention tracker options. This also contributes to current property shortages and hence price hikes due to same also unless you can afford to let go the of tracker and switch to variable. Not all people on trackers are wealthy and life's circumstances change all the time. My point was that we are excluded from the range of offers others with the same trackers are getting because our banks left town so many of us may be stuck and unable to move due to cost. When I was a FTB I had an ordinary variable rate and did change to a tracker later on. We've all been in that FTB situation at some point. Issues are not black and white. If we had 30/40 year rental agreements, it might go a long way to resolving accommodation issues and reliance on buying property to live in in the first instance but instead we have a poorly controlled rental system that favours landlords and not tenants. Also I know re CB that banks can just make their own business decisions etc, but felt they needed to be aware anyway that as those banks left Ireland we are in this particular situation.