What is my proper rate??

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

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.