Last edited: Apr 9, 2018 I was talking to someone today who has had a split mortgage from ptsb for the past 5 years. They have about €200k warehoused. It is a tracker at ECB + 0.6% They have fully recovered financially and are building up savings with a view to trading up in a few years. I suggested to them that ptsb is not going to allow them to trade up while they have a split mortgage. Furthermore, there is a real likelihood that their mortgage will be sold to a vulture fund, who will have no interest in allowing them to port their tracker to a new home. So I suggested that they should immediately contact ptsb and resume full repayments. Their mortgage will not be sold on. The sooner they do this, the sooner ptsb will allow them to trade up. While their repayments will rise by around € 900 a month, most of this will be capital and so would "get it back" when they sell the house to trade up. They are only saving around €1,200 a year in interest which is not material in terms of the total size of the mortgage they would need when they trade up. Although this saving will probably rise when ECB rates rise. I was a bit surprised that I had not heard this before. Many people who got split mortgages could now meet their full repayments. Where they have trackers, they should definitely do so.