Really need advice!!! I was made bankrupt around 2 years ago, at that time my arrears with Kensington mortgages was around £8000. Due to financial difficulties I had to rent my home out to pay the mortgage which I informed Kensington Mortgages. They told me because of this they would have to treat the mortgage as a buy to let mortgage and increased the repayments from around £600 to over £900 per month on a mortgage of £122000 over 25years. As I am in no way able to charge that in rent, I have since moved back into my home and asked them to revert the mortgage back to what it was before whilst renting out a room to a lodger. I have not been able to pay back any of the arrears, but have been making regular payments of over £600 per month for a year and a half. The payments I am making do not meet the sums they are requesting and therefore every couple of months would receive solicitors letters etc.....My question is can Kensington change my mortgage to buy to let mortgage in the first instance? Any advice would be much appreciated, as this problem is draining my soul!!!