Does it not have the rates differences for the different trackers on your mortgage loan offer documentation. We had arranged mortgages with NIB in both 2007 and 2008 (both house deals fell through in the end) and the tracker rates differ for both years, but they are listed on the Housing Loan Agreement documentation (at the very back, called Conditions for NIB LTV mortgages) which you and your solicitor would have gotten a copy of. Unless yours is in a different format.