Some background first... Have 2 mortgages with same bank our home loan and a buy to let. Home is now out of negative equity by about 20k and the buy to let is still on neg equity by about 40k and interest and part capital for some time. Would like to sell up and move to a house for the family with bit more space. Basically be looking to borrow about 30k more that what is currently owed on the home loan. Ideally would love to sell the buy to let but will wait another while as its increasing in value. I rang the bank and was told as I not meeting the full payment on the buy to let that I won't qualify for a mover mortgage on principal residence. The repayments a month won't change much as be over a slightly longer term. Any advice on how I should talk to the bank about this?