Hi,
Have an Ulster Bank mortgage now at 3.55% ( old ufirstgold discount). Do the banks have any obligation to tell you when you would qualify for a lower rate, for example because of now lower LTV or because of newly offered lower rates. This is the second time in 18months that I noticed that I qualify for a lower rate than they have me at currently. I have to fight each time to get the lower rate, but what happens to all the customers who aren't aware that they qualify for the lower rate?