We took out a mortgage in 2006 and had rate of 3.95%. In 2007 we fixed our mortgage at a rate of 5.35% for one year. In 2008 we were also offered a tracker which was 5.5% at the time. At the end of this 3 yr fixed rate we were not offered a tracker rate and chose a SVR of 5.9%. We are still on a variable rate which is now 4.5%. I'm just wondering if we have any entitlement to a tracker rate as we were not advised in 2008 that we may not be entitled to a tracker in the future