End of fixed term

[nigel27]

I have my mortgage with Ulster Bank since 2007. In September 2012 I signed to a 3 year fixed mortgage. I contacted the bank in September this year (2015) looking for my upcoming options. They informed me that my fixed rate was to be continued until end of Dec 2015. That would be 3yrs and 3mths. I have paid €150 extra for the last 3mths over what my new rate will be. Would this be normal practice? What if I took a fixed rate in Feb or March, would it run until end of year too?

 

[Monbretia]

Do you have the paperwork from your switch to fixed in 2012 to see if it was a 3yr 3mth one or are you sure you actually switched in September?

 

[Brendan Burgess]

If you signed a 3 year agreement, it's for 3 years - no longer and no shorter.

Either you or they have got their dates wrong.

Brendan