hi there I’ve just made a subject matter access request under GDPR and can now see my original mortgage application My mortgage form has the option: Please tick your choice of interest rate Variable Fixed Tracker I had selected the fixed as it was my first mortgage. Mortgage began Sept 2004 on an interest only basis. Rate was fixed for 3 years At the end of the 3 year period I reverted to a standard variable rate and was not advised when I rang that there was a tracker option. Is this a case of caveat emptor? Should it say somewhere in my agreement that it would roll onto variable if that’s what happened?