Helping your clients realise their dreams.

Supporting your clients

Our flexible approach to Holiday-Let mortgages enables us to consider applications that some lenders cannot. We also have a higher personal use allowance - 90 days - and will consider both interest-only and repayment mortgages on properties across mainland UK. 

If you have a Holiday-Let client and would like to talk through their case call us on 0800 988 1561 .

Alternatively, take a look at our full product range.

How we calculate affordability

We apply our usual flexible approach to calculating affordability for Holiday-Let mortgages. Our unique process means we’re able to consider applications involving complex and/or multiple income streams, which other lenders usually cannot. This includes using an element of the gross holiday rental income, as well as personal income. Our affordability based model uses primarily personal income but also factors in 50% of the rental income into the assessment.

Other benefits of our Holiday-Let mortgages include:

• Personal use allowed for up to 90 days per year
• Mortgages considered on an interest-only or repayment basis
• Available on properties across mainland UK
• Maximum loan to value of 75%

Making Holiday-Let possible

Business owners Scott and Helen needed help securing a Holiday-Let mortgage, due to their complex incomes.

Holiday-Let mortgage criteria

Letting properties on AirBnB

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