the mortgages are joint. Last year we put our house on the market we both lived in in which we had lived in for 3 years to purchase our new house. We went to a new mortgage provider and secured funding to buy our new home and have been living in it together for a year however our old home stayed on the market for months and did not sell and we have allowed our friend to live there in the meantime to cover the costs of the mortgage, now that mortgage deal is expiring and we dont know what to do. we are not voter roll registered.

Are the mortgages joint or individual? How did you come to have 2 houses and 2 mortgages? were they your own houses before you and your partner got together. How long since you lived in the other house? Are you on the electoral roll - if so which property? It could get a bit messy.

The first advisor is correct - you do rent the house out so it is a buy to let. The other advisor is somewhat cavalier. He is suggesting you don't tell the truth to your mortgage provider - i.e. commit mortgage fraud. The third person is partly correct but not fully. If it was the house you lived in you wanted to re-mortgage he is correct but I don't think he is correct about the way round you propose.

My partner and I have 2 houses, one our friend lives in and one we live in. We have 2 seperate mortgages for each house but not buy to lets. Our house our friend lives in mortgage deal has came to an end and we wish to remortgage but our advisor has told us we cannot do this now unless we go to a buy to let and there is not enough equity to do this however another mortgage advisor has told us to take another product with another provider and say that it is our main residence.

I am confused as it is not our main residence and surely our mortgage for our house we live in would show up on a credit check? Someone else also told us it would not matter as we can have 2 mortgages on 2 houses as long as we can show the mortgage provider it is self sufficient or we can afford both not all companies require buy to lets. Please can someone give us some advice in the right direction.

Thanks