I purchased an apartment 3 years ago, at that time I was a first time buyer and owner occupier. I have since moved out (have informed TRS) and have the apartment rented. Shortly after purchasing, rates started going up so I fixed it. This fixed rate is up in May. However, at the moment, I am not working. I have tenants in the property who have just signed a 1 year lease, but rent does not cover the mortgage. I am wondering what should I do now? If I were to get a better deal with another bank, are they likely to give me a mortgage as I am not working? Should I be looking for an investment mortgage? I did look through the other threads on this site, but because I am not working I don't know where I will stand and whats my best option. Many thanks