I'm looking at renting out my flat and taking out a bit of wedge against a third of it's value in order to buy some cool shit. I'm currently looking around for buy to let mortgages and residential mortgages with a consent to let clause. I'm amazed at the huge variation in price for basically the same product. Thus far for a fixed rate 5 year deal (interest only), I've been quoted nearly £800 a month by Natwest or £420 a month by some broker off the internet. So what's the score? Why the massive variation? What's the risk of going with a small broker? What are the benefits of going with Natwest, HSBC, Lloyds, Barclays etc? Confused of Cheam.