Should I have been offered a tracker?

[Madasastick]

Hi. Just looking for an opinion on my situation. I have 2 different mortgage accounts given it was a self build. The second (top up) separate account was needed as I ran over budget. Anyways the first & main mortgage was in 2005 with a one year fixed at 2.75% then reverting to SVR. I talked through some options with someone in the bank about further fixed rates and went for one of these instead. At no stage was a tracker option put to me. I am wondering was the bank obligated to advise me of the possibility of the tracker option? The reason I ask is that for the second (top up) mortgage (taken out 2 years later in 2007). when my fixed interest rate period expired, the bank wrote to me offering me a full suite of options including a tracker, which I obviously took. I'm just annoyed that the same bank did not advise me of the possibility of a tracker option in 2005 when I came off a fixed rate then. Should there not have been some continuity in their approach or is it totally at their discretion with each individual mortgage contract? Would appreciate an opinion. Thanks.

 

[peteb]

No. A tracker made not have been available for numerous reasons. They offered you a product and you accepted it. Job done.