There is a very interesting Ombudsman case here
https://www.fspo.ie/decisions/documents/2020-0214.pdf
The case is complicated and the interesting dispute between the Ombudsman and ptsb is a side issue, but it has very important implications for some customers.
You could get a tracker if you meet the following conditions
1) You initially took out a fixed rate mortgage
2) You had the following condition in your Letter of Approval
Special Condition 4 in the Letter of Approval details as follows;
View attachment 5918
3) You fixed for a second time. (Either immediately on expiry of the first fixed rate period or at some future time.)
4) You were not offered a tracker at the end of the second fixed rate period.
Permanent tsb argues that they were only obliged to offer a tracker option at the end of the initial fixed rate period.
The Ombudsman ruled that it means that they were obliged to offer a tracker option at the end of any fixed rate period.
If you meet these three specific criteria, let me know.