We are coming to the end of term of our buy to let mortgage which is in pepper. We are looking to remortgage at less than 50% value of our buy to let. We have no other loans. PP is paid. I spoke to PTSB and they have a policy of rent needing to be 1.5 times of the monthly mortgage repayment. This means we can only borrow 80k rather than 120k. Is the policy in other banks? My husband is 59. We are planning on taking out a ten year mortgage with the view of paying it off in full with retirement lump sum. Any advice is appreciated.