Holiday Let Mortgages
Smart guidance for your next investment property
Buying a property to rent out as a holiday home can be a rewarding investment — but holiday let mortgages have their own rules and requirements that set them apart from standard buy-to-let loans.
From proving expected rental income to understanding lender criteria, I’ll guide you through what makes these mortgages different, what to expect during the process, and how to structure it around your goals — whether it’s for income, flexibility, or lifestyle.
Is This Right for You?
You might be looking at a holiday let mortgage if:
- You want to buy a property to rent out to holiday guests
- You’re exploring short-term letting platforms like Airbnb or Sykes
- You’re planning a part-investment, part-personal use property
- You already own a second home and want it to start earning
- You want to understand how lenders assess seasonal income
Download your free mini guide
Discover the 5 things you need to consider before applying for a mortgage as well as the key milestones along the way.
Frequently Asked Questions
Holiday lets are usually short-term rentals to different guests, so lenders assess potential income differently and may have stricter criteria.
Yes — many lenders allow personal use for a set number of weeks per year. I’ll help you understand the balance between personal use and commercial expectations.
Lenders may ask for projected income from a holiday let agency or similar property comparisons. If it’s already operating, actual booking records help too.
They’re more specialist, but not necessarily harder — just different. I can match you with lenders who understand the holiday let model.
Yes, some lenders are open to first-timers, especially if your income and deposit are strong. I’ll help you explore realistic options for your situation.
How I Can Help
A holiday let mortgage doesn’t have to feel confusing
Holiday let mortgages have their own rules — but they don’t have to feel confusing. I’ll explain what lenders need, help you prepare everything, and guide you through the process clearly and calmly.