What is my proper rate??

[gelled]

Hi all. Took out a mortgage with ptsb in 2005 originally fixing for one year. Then came out of this to what i thought was a svr. Fixed again couple months later for 3 years. When this was finished i then went onto what i thought was another svr. However at some stage i was put onto ltv which was .5% higher than svr. Now fixed fo 5 years. My question is this.. How can i find out what correct options i should hve been offered coming out of these fixed terms. Have heard banks offered wrong choices to customers. Thanks in advance

 

[LDFerguson]

You'd need to read over your original formal loan offer. If you don't still have this, your mortgage broker or solicitor should be able to send you a copy on request. Failing that, the lender should be able to send you a copy of your original loan offer. While you're at it, ask for copies of the documents you signed to fix again, as they have contained changes.