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Holiday let mortgage

A short-term let product which isn't short on common sense

Same day enquiry

We’re here between 9am and 8pm Monday to Thursday, 9am to 7pm on Friday. If you contact us by 5pm we’ll do our best to get back to you the same day.


Holiday let finance for short-term lets now 

Designed for landlords who want to purchase or re-mortgage a property for short-term holiday lets.

With potentially higher yields available on holiday or short-term tenancy properties compared to standard buy-to-lets, this may be an attractive proposition for potential investors and landlords. 

What's more, finance is available on a first or second charge basis with a maximum loan amount of £2 million.

We’ll consider many income sources, credit profiles and property types. If we can help, we will, it’s what we call common sense lending.

Key features
  • first and second charge available
  • loans from £5k to £2m
  • rates from 6.99%
  • up to 65% loan to value (LTV) on loans up to £500k
  • up to 60% LTV on loans greater than £500k (above 60% LTV by referral)
  • interest only and repayment options.
We’ll consider holiday let finance for:
  • holiday homes and cottages
  • normal brick built houses, ex-council houses, flats and maisonettes
  • high-rise properties (yes, even ones above 6 floors)
  • properties with poor valuations (when the property is in a less than perfect condition)
  • non-standard constructions (when the property is a little out of the ordinary)
  • normal brick-built houses, flats and maisonettes.
Our lending criteria

To qualify for this product, as a minimum, you must:

  • have relevant holiday let insurance in place
  • have relevant planning permission where required
  • where the property is leasehold, confirm letting on a short term basis does not cause a breach of your leasehold agreement
  • where we are lending on a second charge basis, confirm the first charge mortgage lender has consented to the use as a holiday let
  • be at least 18-years old. There’s no maximum age limit, providing rental income covers 125% of total secured lending repayments
  • have no more than 6 demerits on your credit profile in the last 12 months and not be bankrupt. 

Any property used as security may be repossessed if you don’t make the repayments.

Any property used as security may be repossessed if you don’t make the repayments.

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