ub letter to say mortgage isn't affected by tracker situation

ub query

New Member
Hi, i got a letter in the last week to say mortgage wasn't affected by tracker rate. I took out mortgage in 2004 on the lowest rate at the time which was a reduced starting variable rate for the first 10 months. This was a limited time low rate for the first 10 months of the mortgage and then i had to make a decision as to what rate to go onto. At the end of the 10 months I went onto the tracker rate. In 2006 because of circumstances I fixed the rate for 2 years. At the end of this time I wasn't allowed back onto Tracker rate. Letter I got last week said I am not deemed affected by the tracker rate. I'm wondering is this definitely the case? thanks