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Mortgages

Second home mortgages.

We could help you make your second property dreams a reality.


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Specialist finance Lender of the year


Mortgage Introducer

• Over 1,200 reviews

• Over 1,900 reviews

Specialist finance Lender of the year


Mortgage Introducer

• Over 1,200 reviews

• Over 1,900 reviews

Specialist finance Lender of the year


Mortgage Introducer

• Over 1,200 reviews

• Over 1,900 reviews

Ready to find out more?
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About us

  • Passionate about funding inclusive, affordable housing projects

  • Relationship-led, common-sense approach to lending

  • Access to key decision-makers with personalised underwriting

  • Focused on delivering positive, sustainable outcomes

Getting a mortgage for a second home

We know that property dreams come in all shapes and sizes. If you’ve got ambitions to buy a second property, we could help you make it happen with a second home mortgage.

Whatever your needs – whether you’re looking to buy a second residence to be closer to work, you’re buying another property for a family member to live in, or you’d like your very own holiday home – we could help you take the next step.

When you apply for a second home mortgage, you’ll be offered the same rates and terms as you would for your main personal mortgage.

We’ll use our common sense to assess your affordability; our experience means we can look beyond mainstream lending criteria and we won’t rely on algorithms or credit scores to make decisions for second home buyers.

So even if you’re self-employed or have multiple sources of income, you’re looking at purchasing a unique property, or you’ve got a blip in your credit history, we’ll do everything we can to make finance work for you.

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Borrowing Calculator

Do you want to understand the potential cost of your mortgage or loan?

We can give you an idea of the monthly costs with just a few details like the property value, your deposit amount and how long you need the loan to last.

How much can I borrow?

Common questions about second home mortgages

Can you get a mortgage on a second home?

Yes, you can get a mortgage on a second home. Together has over four decades of lending experience in personal mortgages, buy-to-let, holiday let and residential investment mortgages. We may be able to help you buy a new holiday home for you and your family to enjoy or buy a second residence to be closer to work.

How do second home mortgages work?

A second home mortgage is simply a standard mortgage used to buy a second property. It’s for those who already own a home and are looking to buy another property. It’s important to decide how you want to use the property, as the type of mortgage you’d need would be different if you plan to rent your second home or if you intend to let out your holiday home as a business.

If you’re purchasing a holiday home for your own use and don’t intend to rent it out, this process would be the same as taking out a standard mortgage.

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Your home may be repossessed if you do not keep up repayments on your mortgage. All mortgages are subject to our terms and conditions.
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