Furnished holiday lets are assessed differently to standard buy to let — seasonal income, personal use allowances, and management arrangements all factor in.
Holiday let mortgages sit apart from standard buy to let, since income is seasonal and often projected rather than based on an existing tenancy. Lenders will typically want to see projected rental income from a letting agent, alongside your own financial position.
We work with lenders who understand holiday let income patterns, rather than assessing the property as if it were a standard long-term rental.
Many lenders allow a limited amount of personal use — we'll check the specific terms of the lender we recommend.
Usually via a projection from a letting agent, often based on comparable local properties, rather than an existing tenancy agreement.
No — different criteria, different lender pool, and often different rates. We'll make sure you're comparing the right product.
Tell us what you need and we'll come back to you directly — usually the same day.
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