I have moved back into my previous IP with the Covid-19 situation. It makes more financial sense than re-leasing the apartment in the current climate. If I convert my loan to 'live in' rate and in 6-12 months decide to re-rent it, it seems my bank will re-assess it for an IP. Before I convert my loan to PPOR from IP: 1. what happens if I am renting the apartment in 6-12 months time, I go to change the loan to IP again but the bank re-assess the higher interest rate associated with IP or the IP itself as not financial for them? (I am only worried because of Covid situation) 2. What happens if I lock in 3 years fixed rate at PPOR then decide in 6-12 months time to convert to an IP? will the bank force me to break the fixed period? Currently I am paying 0.36% more for IP but if the above cause issues I do not want to flick down to a lower rate transiently if I will have problems making it an IP again.