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Thanks Brendan for this, very helpful. From what you say the key thing seems to be to be in situ when applying as cautious approach.

Bank of Ireland's mover tracker. We bought an apartment in 2006 and had to rent a larger house in 2011 due to growing family but have held on to the apartment for various reasons and are renting it out. The mortgage was taken out as a residential mortgage with bank of Ireland but there is no...