Hi deli,
I am in a similar situation as you. Bank of Scotland won't do any new business with you as they are hoping to get out completely.
I am hoping to apply for a second mortgage next year.I would rather not sell as I'm about 40,000 in negative equity and this would have a real impact on my savings for deposit. I currently have my apartment rented out and just about break even with mortgage,tax and other charges.
Wondering if Banks see the fact that I don't have a mortgage with a bank in the irish market differently? ie less of a risk.