I have also received EBS letter confirming that I am being moved from variable rate to tracker. I have another mortgage with AIB at variable rate. Over the years I overpaid EBS mortgage(approx 50k) as it was higher than AIB rate. Obviously, if I had been aware of tracker rate, I would have overpaid AIB mortgage instead. I plan to request EBS to "relend" me what I have overpaid(at tracker rate), and use it to pay off AIB variable.Have I a chance of being successful with this request, or has anybody else made such a request.