Arbitrarily changing a 'feature' of the mortgage in this manner at the 11th hour prior to a sale would be strange. If it comes to pass and PTSB are involved at all in the decision, then it should be treated as PTSB de facto altering the mortgage's features. PTSB's overpayment 'credit' system seems from my reading to be a better option for incoming Ulster Bank customers than 10% or 20% per annum flexibility. If this development occurs, then perhaps PTSB are digging in on this issue and want to limit overpayment for the incoming Ulster Bank cohort?