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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.

FIND THE BEST DEAL

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.

A selection of limited company holiday let mortgage rates can be found below. We have also taken a pick of products available to own name investors here.

Limited Company Holiday Let Mortgage Rates

80% LOAN TO VALUE
Product Fees Further info
4.29%
2 year fixed rate
2% lender arrangement fee (can be added to the loan)
  • Interest only available for mortgage term.
  • Available from 18 to 85 year old applicants.
  • Rental calculation from 145% at 5.84%.
  • Self employed applicants acceptable.
  • Can lend up to 6 x times of the lead applicants income.
  • Available for purchase and remortgage.
  • First time landlords acceptable if they are a current homeowner.

Subject to status and further lending criteria apply.

75% LOAN TO VALUE
Product Fees Further info
3.24%
2 year fixed rate
2% lender arrangement fee
  • Interest only and repayment options offered.
  • Can lend up to 6 x times of the lead applicants income.
  • Self employed applicants acceptable.
  • Available from 21 to no maximum age.
  • Rental calculation from 125% at 5.5%.
  • EPC specific product.
  • Expats considered.

Subject to status and further lending criteria apply.

70% LOAN TO VALUE
Product Fees Further info
3.24%
2 year fixed rate
2% lender arrangement fee
  • Interest only and repayment options offered.
  • Can lend up to 6 x times of the lead applicants income.
  • Self employed applicants acceptable.
  • Available from 21 to no maximum age.
  • Rental calculation from 125% at 5.5%.
  • EPC specific product.
  • Expats considered.

Subject to status and further lending criteria apply.

65% LOAN TO VALUE
Product Fees Further info
3.04%
2 year fixed rate
2% lender arrangement fee
  • Interest only and repayment options offered.
  • Can lend up to 6 x times of the lead applicants income.
  • Self employed applicants acceptable.
  • Available from 18 to no maximum age.
  • Rental calculation from 125% at 5.5%.
  • EPC specific product.
  • For purchase and remortgage.

Subject to status and further lending criteria apply.

60% LOAN TO VALUE
Product Fees Further info
Best Rate - 3.14%
2 year discounted rate
£999 lender arrangement fee (can be added to the loan)
  • Interest only and repayment.
  • Rental calculation from 125% at 5.60%.
  • Available in Limited company or own name.
  • Considered property types include: Freehold flat, purpose built flat, converted flat, maisonette, flying freehold, thatched, timber framed, concrete, agricultural tie, flat over 4 storeys, listed building.
  • Available to properties in England, Scotland and Wales.
  • Portfolio Landlords accepted.
  • Foreign citizens considered.

Subject to status and further lending criteria apply.

85% LOAN TO VALUE
Product Fees Further info

Not currently available. Please submit an enquiry to receive notice when this product becomes available. Or look at the own name 85% product.

Own Name Mortgage Rates

85% LOAN TO VALUE
Product Fees Further info
4.90%
2 year fixed rate
No lender arrangement fee
  • Interest only and repayment options offered.
  • Rental calculation from 145% at 5.5% although applicants income is also taken into account.
  • Single and joint applications considered.
  • Available in England, Scotland and Wales.
  • For purchase and remortgage.
  • Applicants from 18 to no maximum age.

Subject to status and further lending criteria apply.

80% LOAN TO VALUE
Product Fees Further info
3.04%
2 year discounted rate
0.50% lender arrangement fee
  • All property types considered.
  • For purchase and remortgage.
  • Available from 21 years of age to no maximum age.
  • Maximum loan £500,000.
  • Available to properties in England and Wales.

Subject to status and further lending criteria apply.

75% LOAN TO VALUE
Product Fees Further info
2.59%
2 year exclusive discounted rate
£800 lender arrangement fee
  • All property types considered.
  • For purchase and remortgage.
  • Available for 18 to no upper age limit.
  • Self employed, contractors and complex income applicants all considered.
  • First time buyers and landlords considered.
  • For purchase and remortgage.
  • Maximum loan £2 million.

Subject to status and further lending criteria apply.

70% LOAN TO VALUE
Product Fees Further info
2.44%
2 year discounted rate
1.5% lender arrangement fee (can be added to the loan)
  • First time buyers and landlords considered.
  • Available for standard holiday lets and Air BnB.
  • For purchase and remortgage.
  • Available for 18 to no upper age limit.
  • Maximum loan £2 million.
  • Rental calculation from 135% at 5.19%.

Subject to status and further lending criteria apply.

65% LOAN TO VALUE
Product Fees Further info
2.44%
2 year discounted rate
1.5% lender arrangement fee (can be added to the loan)
  • First time buyers and landlords considered.
  • Available for standard holiday lets and Air BnB.
  • For purchase and remortgage.
  • Available for 18 to no upper age limit.
  • Maximum loan £2 million.
  • Rental calculation from 135% at 5.19%.

Subject to status and further lending criteria apply.

60% LOAN TO VALUE
Product Fees Further info
2.44%
2 year discounted rate
1.5% lender arrangement fee (can be added to the loan)
  • First time buyers and landlords considered.
  • Available for standard holiday lets and Air BnB.
  • For purchase and remortgage.
  • Available for 18 to no upper age limit.
  • Maximum loan £2 million.
  • Rental calculation from 135% at 5.19%.

Subject to status and further lending criteria apply.

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 856936 or email [email protected]

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