John McGuinness (Carlow-Kilkenny, Fianna Fail) | Oireachtas source

Yes, that is a different matter. It goes on to talk about the changes that were made in the contract itself. The offer to return the mortgage to Ulster Bank at the original ECB rate was happily accepted, but the terms and conditions in the contract, for example that the tracker was for the life of the mortgage, have been changed.