I have a mortgage with Permanent TSB, initially it was a 1 year discount tracker, after that first year we opted for a LTV<80% rate of 3.3% (which was less than the tracker on offer at the time…. DOOOHHHH!!!). Now the rate we are being charged is 4.69% (after the latest announcement of a 0.5% reduction from PTSB), which is the same as the standard variable rate. So we are seeing no benefit from the LTV<80%. I also see from the PTSB website that the rate for new business for LTV<80% is 3.69% and the rate for standard variable 4.69%. Is there anything I can do about this or am I just stuck with it now?