Hi Brendan I was sold to pepper..we have main amount of €170k and warehoused of €90k..currently on 4.5% svr on main amount..could get 3.7% fixed with TSB before the transfer in a few months..should we fix now..? Not sure what pepper can do regarding rates in the future as their rates are different to ptsb, and they have higher rates for people with credit issues , although the split is on our icb report I wouldn't say we have bad credit, we have no arrears..could they try put us on to these higher rates after a review..? we have 25 yrs left on the mortgage. Been split since 2013. In a position now to start putting off warehoused amount interest free preferably..not going to combine amounts until review is done with pepper..planning on putting the difference in to another saving account and paying in to the split in a lump sum before review of the amount we have saved..? Would these savings be been seen by another lender as affordability to remortgage to get away from pepper in the next couple of years...? Regards Glen.