Hi looking for some advice please. We have two mortgages as follows: PPR 125K balance remaining, term left 8 years 5 months, current repayments €1416 per month, interest 4.25%. PPR value approx €250k. Buy to Let 85k balance remaining, term left 12.5 years, monthly repayments €761. BTL sold on to pepper last December as two payments missed a couple of years ago, repayments up to date except 500 euro which will be paid off over next two months. BTL value approx 120k. Looking at switching mortgage for PPR residence and wondering is there a possibility that Pepper might do a deal on BTL and we could cover with a new mortgage. (I have heard of individuals negotiating deals with vulture funds but don't have any concrete evidence of this nor do I know how to go about negotiating same) It would make life so much easier if we could reduce payments on both. Thank you.