Hello, i have a tracker mortgage with 138k left to pay. We are looking to top up and have a few questions that someone might be able to answer....is my understanding correct that we should keep the tracker on the current loan and any top up amount would be charged at todays rate? Would we be able to use some of the top up to pay off a credit union loan? And how likely would we be to even get the top up...my house is a self build worth about 320 - 350k, the house is in my name only but my partner (came along after i built) pays the bulk of the €580 repayment per month, so i think the top up would have to be a solo application? If i was able to pay off the CU loan I'd actually be better off financially, even paying the extra for the mortgage every month. Sorry this is long winded but I'm totally green when it comes to this stuff!!! Thanks in advance for any info anyone might have 