Buy to let mortgage or Normal mortgage

happymeat

Hi

I have a small flat on a mortgage where I currently don't live there and as we are coming to the nearby time of remortgage, I was wondering what are our options.

Can I renew my mortgage as a residential mortgage especially if flat left empty. We do visit sometimes over there but just for a change. I don't want to let out for time being as I think my mom will be moving over and will be living in this flat after 8 months(won't be paying any rent)

Or I have to move BTL mortgage. How easy would be for me to move to get buy to let mortgage considering this is our first two years of mortgage fixed period finishing. So we might have 15% of the equity in the property. My current mortgage provider is Skipton though.

Please advise

Ta

Thrugelmir

Are you considering purchasing another home?

happymeat

No not at all, just inquiring about the one I have and will be living myself on renting.