I took out a mortgage with BOI in 2005 for 400k on a tracker rate of ECB + 1.10%. In 2006, we paid off 50k, and asked for 100k to be kept on the tracker rate, and 250k to be fixed for 5 years (I know, I know...) In 2011, when the fixed rate term ended, should we have been offered the tracker rate, since the original loan / source of the money was a tracker?