To follow on from my question, I guess we are just wondering what happens now? To add to this we were actually just looking at the option of moving in to the rental house, and renting out our primary residence, ie swapping. Some reasons for this include older kids have moved out so we don't need the space, rental house needs some work which we can not afford to do in one go but could have done over time while living there, smaller house = less bills, rental income from larger house would be more and allow us to start paying more to mortgage etc... We are now thinking that we have to stay put and keep everything status quo, do the smaller repairs that we can do right now and just rent the BTL out again as we don't know how these 'transfers' work and now we have 2 mortgage lenders? to deal with, negotiate with etc. I'm guessing it will not be possible to tell Pepper that we now want to live in the BTL house even if KBC agree to let us rent our house out...thanks for any thoughts