Last time i looked into this was pre crash(2008/7) - but i remember a thread/discussion about whether we (collective AF) could apply for a residential mortgage but BTL the property immediately. thread wisdom at the moment suggests no, but the 2008/7 discussion did say that the taxman and mortgage advisorsors/companies did accept that for "service reasons" we were unable to occupy the property and thus could rent it out. My memory may be a little faulty but the gist was that we could apply for residential mortgages. I dont know if this has moved on and this is a completely outdated loophole (but it would surprise me given the current public mood toward the forces..then again gvmt/bureaucrats/chasing a profit!). Does anyone have a light to shine on this one? or remember the thread, i am about to go round one with the IFA so help would be greatly appreciated.