I have an unusual problem I think. We are looking to move and to that end have a sale agreed for our house. The property has two PTSB mortgages on it the first was a 20 year €50000 (this has 6.5 years to run )which became after approximately 3 years a tracker and the second taken out at the time the first changed was a one plan equity release we used for an extension. The total mortgage value of the property is approximately one third our sale price and therefore leaves a healthy deposit going forward. However now comes the problem the PTSB are telling us we have to transfer the tracker to our new purchase and because the repayment is nearly €300 per month this is severely limiting our borrowing ability for the next property. We are being told the central bank rules prevent our tracker being closed and as such the banks hands are tied. We have looked everywhere but can only find reference to tracker retention in cases of negative equity. We are appealing this but I would be grateful if anyone could shed some light on this. We know we can simply close down the accounts and move lenders but cannot see why we should have to.