I bought a flat on residential mortgage while I lived there. Now that I am in Australia the bank says it cannot convert it to a buy-to-let because I don't have an UK income. And the Consent To Lease cannot run forever so it sounds like I have to re-mortgage to another provider. I got some quotes from expat mortgage brokers in UK and the interest rate is around 4.04-4.54% for 2/5-year fix (<60% LVR). That is a fair jump from my 1.89% fix at the moment! Would there be any lenders in Australia who could offer something so I can compare?