Combined normal/buy to let mortgage

getmore4less

did you look at consent to let?

Retired_Mortgage_Adviser

Maybe I've missed something here, but as getmore4less asks above, have you looked at how competitive a CTL from the current lender would be?

Some lenders will not have a problem with you switching products, fixing for another x years and then taking out a consent to let from them. There might be an additional charge associated with a CTL (eg: Nationwide tacks on a 1% surcharge, some lenders charge a one-time or periodic fee, etc). Leave it on a CTL till the end of the fix and then remortgage to a BTL (your options would have further opened up by then being an experienced landlord).

If that's not something you want to do, then (as the brokers above have mentioned) a half-decent whole of market broker should be able to give you options that aren't just Natwest, even though you are a new landlord and a non owner-occupier.