We got a letter dated 18/7/2012 advising that the rate decrease had been applied to our mortgage with effect from 17/7/2012 (Ulster Bank Offset Mortgage / Tracker).
Yes we have a Tracker also but we also overpay each month. Our actual monthly amount should remain unchanged, just the ratio of actual payment to overpayment.
I got the letter yesterday and mortgage at new lower rate was taken today.
Which was nice.
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