I'm in a similar position with Ulster Bank (formally First Active) with a slightly higher tracker rate of 2.40% + ecb. Is it wishful thinking that I might be on too high of a rate? How can I find out please. My situation is: - Drew down mortgage in Oct 2008 on a 2 year fixed rate of 6% with First Active. - Oct 2010 I went on to a 2.40% + ecb tracker rate then taken over by Ulster Bank. I don't have the original mortgage loan agreement, or rate changes but do have copies of all my mortgage statements dating back to the first payment. Thanks.