My partner took out a mortgage in may 2007 with EBS through a broker called perfect mortgages. I am aware that EBS stopped issuing tracker mortgages in october 2008 and she has advised me that she was never offered anything other than a 3 year fixed rate of 5.14%. From my recollection as i took out an AIB mortgage just after the tracker era surely a tracker rate mortgage was no more an attractive option for her than what she was offered and that she was wronged by not being offered the different products available at that time, she like 99% of people wouldnt be a financial whizzkid. Two things i will ask, are one, has anyone ever heard of perfect mortgages and if so are they still operational, personally i suspect theyre not and two her contract with EBS says for years 1-3 her rate of interest will be 5.14% BASE RATE. It then goes on to state that after 3 years the interest rate will be VARIABLE BASE RATE ( currently 5%)(APR5.2%). I would love to hear from anyone who has a similar contract or anyone who can definitively tell me what the above terms relate to as most banks dont use or didnt use this terminology. I also rang the EBS helpline on her behalf and was told she should wait for the EBS review to happen as its ongoing after i had a "healthy discussion" with them, i suspect to be honest that if it was my mortgage id be chasing the broker but obviously if the broker is out of business thats a non- runner. Finally the question is has she any hope of getting put on the redress scheme based on the above information and thanks in advance for any advice.