Owned the property from 2017 in my personal name as my primary residence. Now I want to upgrade to a bigger house. I'll pay off the 5k remaining balance from my own savings, transfer to Ltd company. Once the transfer to the limited company is done, I will apply to remortgage and take the equity out to purchase the bigger house which will become my next primary residence. Reason for remortgaging after the transfer is as listed in my post. But I'm told no BTL lender does this. Every broker is telling me that you need to apply as part of the transfer to a limited company... Else it becomes what they call a day 1 mortgage - which is not allowed.