Just wanted to check here in case anybody has any other experience. I'm on Ulster Banks 3.1% loyalty rate for my mortgage. I was thinking of fixing for 3 years at 2.99% so I rang them to ask a couple of questions. The first I asked, scuppered me. I asked, at the end of the 3 years what rate would I go back to. I assumed I'd go back to whatever loyalty rate was valid at the time. The lady I was talking to said nope, I'd go back to the SVR. So to clarify I asked if I came off the 2.99% today this means I'd go onto the 4.3% instead of the 3.1% that I'm on now. She said that's correct. She added that I could refix at whatever fixed rates are available at the time. Nice of them. That doesn't sound right to me but I rang their mortgage question line so I've nowhere else to go. Has anybody fixed at the 2.99% and got told anything different? There's no point in me fixing at 2.99% if that's the case.