Bring your Holiday Let cases to us

We’re experienced in the holiday let lending area, with mortgage products designed to help your clients to purchase or remortgage a property rented out for holidays for some or all of the year. 

Our common-sense lending approach means your clients can also use personal income to help top up the rental coverage when assessing affordability.

Holiday Let 3-Year Discount 5.75% discount variable with a max LTV of 75%

Holiday Let 5-Year Fixed Rate 6.29% until 29 September 2029 max 75% LTV

Holiday Let Lending in summary

We lend to individuals, Limited Companies or existing trading companies (no SIC codes)

• The product is suitable for purchase, remortgage, or to borrow additional funds

• Affordability based on an average of low, mid and high season rents

• We will consider the potential holiday-let income when assessing affordability to allow investors to see more value from their rental portfolios

• We consider top-slicing and capital raising

• Personal use of the property allowed

• The property must be located in a suitable holiday location to be considered

• We lend on holiday let properties with annexes and also lend on standard residentials with an element of holiday let usage

Also, don’t forget!

• No credit scoring – all cases are assessed on individual merit

• Tailored underwriting and each case individually considered

• All types of income are considered

• We provide a dedicated helpdesk team from Monday to Friday, 9am - 5pm. 

Contact our helpful helpdesk team here by phone, email or live chat. 

Rates are correct as of 28 August 2024.