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switching to buy to let

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Hello  wondered if anyone can shed a light on what i want , before i look for mortgage advisor as the one i employed sort of 14 years ago , cant reach any more 
My residential property bought 2010  and my buy to let 2013   both are same size and type in 2 roads next to each other , and both are on capital payments 

How hard is for me to move in  and live to the buy to let , and convert my residential to buy to let ?
january i went on 5 year fixed on both of them , and my circumstances havent changed...simply the buy to let property got better garden and easier to get to the garage , helpful for my van. .  
many thanks 

Comments

  • Emmia
    Emmia Posts: 5,488 Forumite
    Fifth Anniversary 1,000 Posts Photogenic Name Dropper
    You can't normally live in your own buy to let, so you'd need to change the mortgages on both properties - are the mortgages with the same lender?
  • kingstreet
    kingstreet Posts: 39,248 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Ask the residential lender for consent to let and the BTL lender for permission to reside.

    I'd expect in a worst case, you'll have to remortage the BTL to a residential mortgage.
    I am a mortgage broker. You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice. Please do not send PMs asking for one-to-one-advice, or representation.
  • Ask the residential lender for consent to let and the BTL lender for permission to reside.

    I'd expect in a worst case, you'll have to remortage the BTL to a residential mortgage.
    one is halifax , one birmingham midshires 
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