Holiday Let Mortgages

Home / Services / Mortgages / Holiday Let Mortgag...

Body

A Holiday Let Mortgage is taken out on a property that is then let on a seasonal basis and used for holiday rental. It is similar to a Buy to Let mortgage except the maximum amount that a lender will permit is not based on a regular income but uses an average of the rates charged during high, mid and low season.

Holiday Let Mortgages can usually be set up on either an interest only basis or a capital and interest basis however some lenders may require the borrower to have a minimum additional personal income.

Within this sector the seasonal nature of the income, along with other factors such as possible higher levels of unoccupancy during low season, can make lending much more complex. For this reason, many lenders impose stricter criteria for those looking for a Holiday Let Mortgage. These do vary by lender but could include requiring applicants to own their own home, be over the age of 21 and have a minimum deposit.

 

 

Warning Text

icon

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

HOLIDAY LET MORTGAGES ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.

Other Areas of Expertise

Related Links

Request a call back

Ian H

Gerald in a word

Gerald in a word my experience is base on Gerald our adviser. he has been clear, helpful and informative
My finances are in good hands I feel

Hazel H

Trustworthy and knowledgeable Financial services

It's always a daunting prospect dealing with your finances and hoping you make the right decisions for your future, however I knew I was in good hands with Warwick Road, Matt was very attentive and explained things really well, you have the flexibility in the amount of risk you take and you are able to state your aims and Matt will find a plan to suit your needs.

A very professional, trustworthy and knowledgeable company to deal with.
I have no hesitation in recommending their services.

Rachael

Russell was knowledgeable and helpful

Russell was knowledgeable and helpful. He also proved flexible at moments when we changed ideas on what cover we needed.

Allson

Russell was very friendly and…

Russell was very friendly and informative in helping us choose what to do.

Andrew F

We have dealt with them for many years

We have dealt with them for many years, very helpful with diverse financial matters, trust them fully.

Content Page - CTA block

Need something specific? Get in touch today

  • Privacy Notice

     

    Beard and Coles Financial Planning, Gold Financial Services, Inspire Financial Partners, White Eagle Finance, Robinson Sharpe Financial Planning, Cathedral City Financial Services, Hoare Jacques Financial Planning, Market Wide and The Partnership Southampton are trading styles of Warwick Road Financial Services Ltd an appointed representative of Quilter Financial Services Limited which are authorised and regulated by the Financial Conduct Authority.

    Warwick Road Financial Services Ltd registered address: Office 5, The Forest Rock Offices Leicester Road, Whitwick, Coalville, Leicestershire, United Kingdom, LE67 5GQ. Registered in England and Wales No. 09303523.

    The guidance and/or Information contained within this website is subject to the UK Regulatory Regime and is therefore targeted at consumers in the UK.

    Approver Quilter Financial Services Limited 26/02/2026

Copyright © WEBPRO all Rights Reserved · Website design and development by WEBPRO Adviser

cross
cross
cross