Last edited: 21 Jan 2019 EBS MORTGAGE MASTERS 2019 January - variable rates so thanks to everyone writing on this EBS variable base rate issue - I am been following quietly for a longtime and didn't feel i had anything worthwhile to add as my situation was never really clear to me as everything never made sense and I never felt I grasped what was going on, however now i do so I would like to share as it maybe helpful and also shed some light on what was going on in EBS in relation to my experience in 2008 and what we experienced. Here goes .... i went to an EBS branch just before the summer in 2008 and met with a member of staff who advised us that the best option for us was a tracker mortgage. He gave us a homeloan application ( note not the one that is posted up on this earlier thread ) it required all our details to be filled in and then you had to ticked what product you wanted and we ticked the tracker option, the form was long and required us to fill in a LOT of details. We returned to EBS with our application completed very soon after our initial visit - and was told by the same person in ebs that Trackers were no longer available - he said the next best thing would be to go for a two year fixed. He gave us a 2 page document to fill out - it required little else but our names to be added to this so i am assuming they used our already filled out homeloan application to process our loan offer - the one where we selected tracker? Needless to say we went onto a SVR 2 years later. Fast forward to 1.5 years ago - I requested all my documents as I then had become aware that tracker mortgages where actually still available until october 2008. Heres what I discovered, the two page fixed rate doument was actaully part of the large homeloan application that was posted on this website - with the tracker application as part of the document to be filled out if we wished to indicate reverting to the tracker once the fixed rate period had expired it is a condition of our loan agreement that a tracker application be completed - we did complete a homeloan tracker application. Despite this we are deemed non compliant ???????? they actually told us that the condition of our loan agreement being dependant upon a tracker application being completed was a 'mistake' I have to say I am stunned. EBS the mortgage masters of Ireland - ? of course after the fixed period expired we were to move to the wonderful EBS Variable rate / ebs variable base rate / variable rate - there was some conflicting defination of this in our documentation and we would have believed at that time that the EBS term for a tracker product was variable rate.