Kieran O'Donnell (Fine Gael) | Oireachtas source

A standard clause has come up, I believe clause 3.2c in the mortgage contract I have seen, which states if people break a fixed rate early, they should be entitled to avail of a tracker rate. That does not appear to be the case in AIB. Does Mr. Byrne believe that if people break a fixed rate early, they should be entitled to go back on the tracker rate? If a person takes out a fixed rate for two years, but he or she breaks it after a year, should they be entitled to go back on the tracker? It is a question which has been posed to the committee.