hi - slightly embarrassed to ask this but I got a tracker mortgage 2004 through the mortgage store - a discounted .85 tracker at an effective rate of .75. Many years ago I contacted the bank as I noticed statements still listed 0.85 on the description. I was told as it was a discounted rate the description stays the same at .85 but effective rate is .75. Roll forward the mortgage is now with BOI and I am moving house and looking for new mortgage. I have two questions - how do i check the effective rate being applied now and over the course of the history of the loan ? to a. confirm the rate applied and b. confirm it is done correctly ?