EBS lifechoice loan and mortgage

Hi

Does anyone have experience with the ebs lifechoice loans?
I am currently on a tracker mortgage and do not want to change this. I need to buy a car and was looking at the lifechoice loan as the cheapest way to borrow money.
The ebs ensure me that the loan which is at variable rate of 2.63 APR will not affect my tracker but they will not give it to me in writing.

Am I being overly suspicious?

They will probably offer you a Top Up loan on your mortgage. This I understand is a separate loan linked to your mortgage, secured by your property but set up separately with it's own interest rate and repayment schedule and repayment term.