Mortgages

Holiday Let

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Holiday Let


Thinking about buying a holiday home? A holiday let mortgage is tailored for those planning to rent out their property to holidaymakers. Whether it's a seaside cottage or a city apartment, we're ready to understand your unique needs and support you in turning your holiday home dream into a reality.

Why Holiday Let?

Potential to Earn More

Holiday lets can generate higher income than traditional rentals, especially in popular tourist spots during peak seasons.

Enjoy the Property Yourself

Your holiday let doesn’t have to be just for guests. If it’s not booked, you’re free to enjoy the property yourself.

Increased Demand

With more people choosing UK staycations, well-located holiday lets can benefit from strong, year-round demand.

Why Choose Us...

By understanding and treating each case as individually as the person behind it, our approach to mortgages means we offer straightforward advice to help you acheive your holiday let goals.

Get in touch with our friendly team to find out how we can help.

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Can Limited Companies Get a Holiday Let Mortgage?

We offer holiday let mortgages to limited companies, recognising that many investors choose to buy property through a company structure for potential tax advantages. If you're investing through a limited company, we're here to help.

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Holiday Let Mortgage Explained

We’ll break down what holiday let mortgages are and highlight the key things you need to know to get started. This guide will help you understand how they work, who they're for, and whether a holiday let mortgage could be the right option for you.

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Fixed Rate Mortgages

(HB88) 5.69% fixed to 30.11.2028 Holiday Let

Initial rate

5.69%

Subsequent Rate (SVR)

7.70%

Overall cost for comparison

7.4% APRC

Maximum loan to value (LTV)

75%

Incentives

None

Arrangement Fee

£999

Early repayment charge

Yes

(HB89) 5.69% fixed to 30.11.2030 Holiday Let

Initial rate

5.69%

Subsequent Rate (SVR)

7.70%

Overall cost for comparison

7.1% APRC

Maximum loan to value (LTV)

75%

Incentives

None

Arrangement Fee

No fee

Early repayment charge

Yes

(HB90) 5.89% fixed to 30.11.2028 Non-Standard Holiday Let

Initial rate

5.89%

Subsequent Rate (SVR)

7.70%

Overall cost for comparison

7.5% APRC

Maximum loan to value (LTV)

75%

Incentives

None

Arrangement Fee

£999

Early repayment charge

Yes

(HB91) 5.99% fixed to 30.11.2030 Non-Standard Holiday Let

Initial rate

5.99%

Subsequent Rate (SVR)

7.70%

Overall cost for comparison

7.3% APRC

Maximum loan to value (LTV)

75%

Incentives

None

Arrangement Fee

No fee

Early repayment charge

Yes

Discount Mortgages

(HB74) 2 year 1.85% Discount Standard Holiday Let

Initial rate

5.85%

Subsequent Rate (SVR)

7.70%

Overall cost for comparison

7.7% APRC

Maximum loan to value (LTV)

75%

Incentives

None

Arrangement Fee

£1,500

Early repayment charge

Yes

(HB75) 2 year 1.45% Discount Non-Standard Holiday Let

Initial rate

6.25%

Subsequent Rate (SVR)

7.70%

Overall cost for comparison

7.8% APRC

Maximum loan to value (LTV)

75%

Incentives

None

Arrangement Fee

£1,500

Early repayment charge

Yes

3 easy ways to apply for a Holiday Let mortgage

Apply online

ENQUIRE ONLINE

Complete our quick online enquiry form and we'll get back to you within one working day.

ENQUIRE ONLINE
Apply in branch

APPLY IN BRANCH

Arrange to meet an expert Mortgage Adviser in one of our six branches.

BRANCH FINDER
Apply by phone

Apply By Phone

0161 429 4318

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE