Is the Center of Bank Using Inertia to Increase Rates?

Most people are a lot of people when their fixed rates ended. They defaulted to the high standard variable rate of 4.5%. And they paid that and they never actually sort of shopped around. So the standard has been a bit sneaky. Absolutely. This is the exploitation of inertia. Most of the banks do that. AIB fair paid them. But my argument is if these customers, like the particular group I was concerned about is permanent TSB were required to sell about 6,000 restructured mortgages,. They're now being charged by pepper rates of up to 6.5%. If they were with permanent TSB, they could be fixing at rates of 3.5%. Now