We took out a tracker mortgage with Ulster Bank in 2005 and fixed for five years in 2007. The form we signed stated that at the end of fixed rate term we would revert to the bank's home loan rate. Our mortgage document was clear that the ecb tracker rate was for the life of the mortgage. We made a complaint when they wrote out about a month ago outlining our options, but failed to mention the return to tracker rate. Today, we got a letter offering our tracker rate back. I think that there are probably lots of others out there that are in our situation and don't realise it. We thought we would have to go to the Ombudsman with this, but the whole thing was done in a month. I am posting this in case somebody else could benefit from our experience.