I'm wondering if anyone has experience of moving and keeping their tracker with Ulster Bank. Our house is currently around €15k in negative equity. We can afford to pay this off and have identified a house in the country that has the same value of €270k. The problem is that when porting Ulster Bank require the LTV to be 85% meaning we would need a lot more in savings to cover this which we don't have. Are Ulster Bank making any exceptions to the 85% rule? If I wanted to contact someone senior in the Ulster Bank mortgage department how would I go about doing so?