Ulster Bank cuts rates

If it rolls over on 1st Jan, each year.. and people are sitting on surplus cash, it may well be worth while paying down an additional lump sum now, then giving some thought to making a further lump sum repayment early next year, before ever considering breaking out of the fixed rate.
 
I enquired and was told it was rolling year. Double check and get it in writing that it is 1st Jan. Reason I asked was that our fixed rate started Dec 2019 and I wanted to know if I could pay a lump sum and then restart the clock.
 
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