An LTV of 18% and you're not eligible for a tracker mortgage?!I too got in contact with EBS re the NIB product.
We have 9 years left on our mortgage (LTV of around 18%) and a balance of €112K.
When I contacted them (by email) I was told “unfortunately you are not eligible for a tracker rate.
I left EBS last year for AIB. EBS are old school tossers. The ONLY reason for being with them is the possibility that they will give up their mutual status and go private, thus given a lump sum bonus to all their account holders. Otherwise, avoid them, IMHO.