Just to be clear, I'm not accusing you of concealing anything. You posted a very small amount of information, looking for help.
I've genuinely tried to help you.
It makes absolutely no sense that a bank would change a PDH mortgage to a BTL one. Or that they would give a BTL mortgage to a sole mortgage holder for their PDH. If there's nothing else going on, then she has a reason to be aggrieved.
But if there's a genuine reason that the bank would only lend as a BTL, it's different. Hence the question about sole / joint name. Or another example - was the site still in parents names?
I wish you well on Wednesday.
I appreciate your help Redonion. I understand that the Buy to let rate might look odd but at best it was a clerical error by the Bank. The mortgage is jointly held by her and her father on land where her father granted her the site to build her house. This site is adjacent to her parents house.
I feel very aggrieved for her. She is under enormous financial pressure as a result of this and has fallen into arrears with the mortgage.
Thanks for all your help.