Well there are no accounts as they have always lived in it.
125 percent rent over mortgage with accounts to prove it is usually a requirement of a btw mortgage. Astonishing if the bank has never checked. But if it became an issue could n`t she rent the second flat out to friend or family then sublet a room from her "tenant", I`m assuming it`s a two bed. That would square the accounts with the bank and HMRC surely.
I just wondered if when they come to apply for porting new mortgage they may see the BTL on credit check and ask to
see accounts otherwise it would be considered an outgoing? Although they bought the house they are selling when they already had BTL and no one asked them.
Am concerned as they are getting on a bit and I don't want them to get into trouble (family)