I bought an apartment in 2005 which I lived in until 2010, when I rented it out. I took out a mortgage with Bank of Ireland. I now want to buy a new family home and retain the apartment. If I go to the same bank, will they reclassify my apartment as a buy to let and increase the rate (variable, non tracker) accordingly as they will then be aware that it is no longer my principal residence? There is nothing in the terms of the mortgage that suggests they could.