Got a buy-to-let already and may be about to take on a residential mortgage on a 2nd property. Total mortgage spend will therefore be a lot (well into the hundreds of 1000s). It makes sense on paper (dh sees the buy-to-let as our pension pot ) but we're going to be very highly geared and crossing fingers that mortgage rates don't rise hugely (we're not fixing as better deal not doing so even though less security) . Dh is more the optimist but I must admit that I'm getting rather stressed about it all and realise it's a huge risk. Anyone else in a similar position?