head of holiday lets

Buy to Holiday Let Mortgages

The growing demand for UK staycations has given rise to new opportunities for those investors looking to start or grow their holiday home portfolios. The buoyancy of the market has also increased the number of lenders offering buy to holiday let mortgages, although it is still a relatively niche product.

Whether you’re buying a new property, or converting an existing property, if it’s intended for use as a holiday rental business, you’ll need a specialist buy to holiday let mortgage. This type of loan is designed for short-term lets while also allowing you to personally use it as a holiday home at certain times during the year.


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To qualify as a holiday let the following conditions apply:

  • The property must be furnished and available as a holiday let for at least 210 days (30 weeks) a year
  • The maximum length of time for any single holiday let can be no more than 31 continuous days
  • The property must be commercially let for at least 105 days in the year

If you are converting an existing property, you must ensure that your current mortgage lender or lease agreement allows for it. It’s also important to check with your local authority to assess whether you need planning permission for a change of property use. Lenders will use a Buy to Let mortgage calculator to assess your applications.

From AirBnB, to more traditional short term rental properties we can find the right finance for your holiday let investment.

We have lenders offering limited company and own name mortgage products, to experienced investors and first time landlords. Whether you are looking for a 50%, 60%, 70% or 80% LTV holiday let mortgage, get in touch today. If it is possible our whole of market status means our team will be able to help.

Give Yourself a Break

Whether you’re a first-time landlord, portfolio landlord or a limited company, why not take advantage of our experience and understanding of the buy to holiday let mortgage market? As an independent broker, our friendly team of experts at Vincent Burch Mortgage Services can search for the best buy to let mortgages for holiday homes across a wide network of specialist and high street lenders.

For a quote and to give your holiday home dreams a boost with our personal, fee-free service, call 01603 340644 or email [email protected]