Airbnb Mortgages

No hidden fees.
Personal relationship.
Airbnb mortgage experts.
Flexible appointments.

Book a free call to speak to one of our advisers. We’ll talk through your options and see if we can help you realise your dreams.

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Airbnb Mortgage Specialists

Airbnb has made it simple for anyone to rent out a property to holiday makers. If you’re interested in investing in a property to let as a holiday home through Airbnb you’ll need to make sure you get the right sort of holiday let mortgage.

Our specialist Airbnb mortgage brokers can advise you on the right mortgage and are waiting to hear from you!

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Airbnb Mortgage Calculator

Just complete the short form below to ask Holly our AI Assistant to scan the market. We’ll then give you an indication of what your Airbnb Mortgage could look like.

Give us a call on 01453 887179

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How we can help you

When looking for a mortgage for an Airbnb property you’ll need to provide lenders with information about your financial circumstances. They’ll need to know about your monthly income and expenditure, and how much you’ll have as a deposit.

In particular they’ll want information about your plans for the property. This will include whether you plan to let out the whole property or just part of it. They’ll also want to know how many weeks a year you will make it available for rent.

Many lenders will want to know what type of property you want to buy to let out. Listed buildings or unusual homes are less attractive to lenders but we can provide advice on what is possible.

We’ll help you compile all the personal and property information lenders will need and guide you through the process of applying for your mortgage. We’ll survey the whole mortgage market and find the right deal for you.

Whether you want to let out a property you already own or find a property to invest in our expert advisors are here to help take the strain out of the process so you can focus on planning for your first guests.

O B

07:27 18 Aug 23

Sally has been fantastic from start to finish. She made the process seem simple, and found me a great deal. She was really friendly and proactive and was always there straight away if i had any questions. It was really great service.

Josie & Patrick

17:17 03 Aug 23

We recommend Mark and the HHH team to anyone we know looking for mortgage or remortgage advice. We have always (having first contacted Mark over 7 years ago) received excellent advice and support. We felt completely in safe hands with Mark. Thank you so much to everyone at HHH for years of excellent service.

Daniel Soars

16:43 01 Aug 23

I would heartily recommend Mark and his team. From the moment I first contacted them, they have replied promptly, explained things patiently, and spent time getting to know me and my situation. They have made the process of remortgaging about as hassle-free as it can be!

Terry Hood

07:42 28 Jul 23

Excellent service and very quick with results. I will definitely recommend them to people.

Bill Greenoff

22:39 22 Feb 23

Mark Stallard has advised us well in all aspects of arranging our Life Time Mortgage with a relaxed, friendly approach. His knowledge of the concept and the market has been completely reassuring, and his connections with the other professionals necessary to the process have made it a smooth journey to completion.

Paul Dodd

18:17 14 Feb 23

Mark and his team have been fantastic at finding great deals, quickly and efficiently. He has no doubt saved me thousands of pounds in the process. I cannot recommend HHH mortgages more highly!

Lynne

15:23 14 Feb 23

Sheer perseverance and determination is Mark Stallard’s mantra. Our Lifetime Mortgage posed more than a few, what seemed like insurmountable issues; nothing defeated Mark in ultimately delivering a successful resolution. Someone with less experience could have struggled. Thank you HHH. We would recommend you for all mortgage needs.

Davina Langdale

14:37 11 Jan 23

I was so lucky to find Mark when I was in a complex situation regarding a property I wanted to turn into a holiday let. Not only did he achieve what had seemed the impossible by successfully obtaining that mortgage for me, he was also an absolute pleasure to deal with. The nicest person you could hope to meet! I will never use any other broker. Thank you so much, Mark.

Paula Walter

10:43 02 Jan 23

I cannot praise both Craig and Mark highly enough. Craig first explored every option to help with a difficult situation and nothing was too much troubke. Mark then took over our case . He was so patient and understanding and again explored every option for us . He finally found the best solution which was Equity release. He guided me all the way through and helped make the process so easy. We are now in a much better place due to these great guys. Thankyou so much HHH.

Hayley Clifton

12:34 22 Dec 22

Mark at HHH has helped me with a number of mortgages now, both when I’ve been moving home and when I’ve needed to remortgage. Every time he’s been a pleasure to work with, and I’ve felt that he has my best interests at heart. I would recommend him wholeheartedly – in fact, I have done to many of my friends.

Sam Elliston

11:13 07 Dec 22

Craig was a personal expert, providing great advice and communication throughout the buying process for our holiday home. He dealt with shifting situations in mortgage products, sellers pulling out, and mortgage extensions without any problem and removed all of the stress from us – he has found us a great deal and been Uber helpful throughout. Thanks so much.All of the advice, patience, and expertise has been very much appreciated. It has created a really great moment for me and my family, to own a holiday home in a lovely part of Suffolk.

Emma Burry

07:19 22 Oct 22

Sally has made the process of buying our house very easy. She was always in touch with us- even when she was on holiday! She was always on hand to answer our questions and would reply to my emails on the same day. We have recommended Sally to any friends and family who are also remortgaging.

Jenni Clutten

09:32 18 Oct 22

Sally couldn’t have done more to help me secure a house and mortgage over the last 12 months. I have finally completed on my home and I am so grateful for her advice and patience with me, as I embarked on trying to buy a renovation property in an extremely competitive housing market. I always had absolute trust in HHHM to ensure I was getting the best rates and that they were considering my long term needs. The phrase going above and beyond doesn’t describe enough, how thoughtful and dedicated Sally has been to getting me across the line. Thank you!

Lydia Cole

18:43 11 Oct 22

I cannot rate Craig from HHH mortgages highly enough. As a first time buyer I found the prospect of buying a flat quite daunting. Craig not only secured me a great deal on a mortgage but also supported me throughout the process of the sale through to completion. Craig was always on hand for advice and help and was particularly helpful at dealing with my solicitors and ensuring any problems were dealt with quickly. Craig also spent a lot of time chasing updates on my behalf which alleviated so much stress for me. I’m very grateful for all the work Craig put in and he’s been a joy to work with. I will definitely be recommending him and returning to him in the future!

Rachael Baker

13:33 14 Sep 22

Joe and Ben at HHH Mortgages were great! I had a few tricky circumstances to navigate, and they were both super helpful throughout, professional, and came up with solutions to make the entire remortgaging process a joy. Would highly recommend and definitely will be working with them in the future!

Pat Talbot

16:34 04 Apr 22

A professional company with a personal touch. It was good to speak with an advisor who not only listened patiently whilst we explained our problem, but relentlessly sourced a wide range of options with speed, care and attention to detail.

Claire Hillyer

19:54 28 Mar 22

Since 2016, Mark has supported us in finding two affordable mortgages and (importantly) ones that have been just right for our needs. He has always listened to our requirements and helped us to explore different options. Mark has a caring nature and we’ve appreciated him guiding us through what could have been a stressful process. We would recommend him to anybody.

Elaine Reader

19:23 20 Dec 21

Having entered the house-buying process with some trepidation, given our circumstances (self-employed, etc.), we cannot be more grateful for the superb service provided by Joe and Ben at HHH. They were always easy to contact, friendly, helpful, and took time to explain everything to us. The whole experience was notable for a level of care and attention to detail rarely seen.We cannot recommend them highly enough.

Paul John

14:03 01 Dec 21

A seamless, professional service, from start to finish. HIghly recommended. Mark took the time to understand our exact needs and matched us with the ideal product at a very competitive rate.

Annabelle Miles

13:46 17 Nov 21

Brilliant service as always – Mark is a delight and answered all our questions about our remortgage swiftly!

James Watson

10:35 08 Nov 21

We have received superb service from House & Holiday Home Mortgages, and we would not hesitate to recommend them. From start to finish, Joe Stallard and Ben Walker have both been excellent – friendly, easily contactable, quick to reply to emails and totally professional throughout. It is fair to say that they have made the whole process a pleasure. Thank you!

Matt G

13:22 27 Jul 21

Sally helped me buy my first house in 2021, at the height of the stamp duty holiday property rush. She not only found an excellent mortgage deal, but was full of useful advice all the way through the process of house buying: from viewings to completion. Despite the busyness of the market, Sally was always responsive and efficient, finding and applying for mortgage deals with impressive speed.Would definitely recommend her to any first time buyers: made the whole process so much easier and went such a long way having someone on hand to explain the confusing world of house hunting.

What's special about an Airbnb Mortgage?

If you want to invest in an Airbnb holiday let property you will probably need a holiday let mortgage. These mortgages are specially designed for properties that are let out on a short-term basis and there are products available specifically designed for Airbnb hosts.

Holiday let mortgage applications are considered based on your persona financial circumstances and the commercial potential of the property. You’ll need to provide details of your income, size of your deposit, your credit rating and typical monthly out-goings. You’ll also need to provide information about the type of property you want to let out, and the potential Airbnb rental income you think you’ll generate.

If you already have a mortgage on the property you want to rent out, check with your current lender if that’s possible. If you intend to let out the whole property, you might not be able to with your current mortgage. This is because residential mortgages are offered with the intention that the property will be your main residence. You might need to change your mortgage to a holiday let mortgage for Airbnb.

Don’t worry, we can help you with all of this, so you can achieve your dream!

Christine Cheng, January 2023

Joe, Ben, and Mark were WONDERFULLY helpful at all stages of the mortgage process. Friendly, courteous, knowledgeable, prompt, professional - they went out of their way to answer all of our questions (and there were a lot). Their fees are reasonable - but the most important thing to bear in mind is that you will get personal service from people who really understand this field.

They are brilliant and I can't say enough good things about HHH Mortgages!

Petra Smythe, December 2022

Thank you to Mark and Caroline we were able to get our holiday let. They gave us excellent advise that was always valuable. Mark has taken his time to explain everything in detail and nothing was ever too much trouble. We feel we would not have been successful without their input and their professional advice. I would highly recommend this company for the efficiency, friendliness and professionalism.

Thank you Mark and Caroline!

Nicholas Gaillet, May 2022

Joe and Ben were fantastic throughout. I would not have secured a mortgage without them due to my complicated personal circumstances (including restricted holiday let, non-UK residency, to name but two). They showed patience and professionalism over several months of rigorous enquiry by the lender to get the lender (and me!) over the line.

Thank you so much Joe and Ben! Highly recommended!

Matt Gautrey-Jones, September 2021

We had an excellent experience with Joe when remortgaging a Holiday Let we had struggled to find suitable products for Witt other mortgage brokers. Joe and Lauren supported us through the application and getting to completion and we are thrilled to have finally mortgaged out property for the full amount achievable. I wouldn’t hesitate to recommend and will be working with Joe again on future mortgages

Our most frequently asked questions

We’re here to help you navigate the process of applying for an Airbnb mortgage. Our experts will work with you to understand your personal financial situation and your plans for your Airbnb property. They will guide you through the application process and provide bespoke advice for your circumstances and plans. We’d love to hear from you so if you have any questions, please get in touch.

I already have a residential mortgage; can I be an Airbnb host?

Possibly. You must contact your current lender and let them know of your plans. Most lenders will require you to obtain their consent before letting out your property on Airbnb.

They could view you letting out your entire property as a breach of their mortgage contract and so you may need to switch to a holiday let or commercial mortgage.

I've already got a commercial mortgage; can I be an Airbnb host?

Commercial mortgages are designed for properties on long term lets for day-to-day business activities. They are not usually available for Airbnb property lets, however, if you have a large property portfolio it may be possible to borrow funds through a commercial mortgage. There will be certain criteria you would need to satisfy, but we can advise you and help with any application. Get in touch for an initial no obligation chat!

How do I get the best possible mortgage rate for my Airbnb property?

As with any other type of mortgage there are many factors involved. It’s possible that you might be offered a lower holiday let mortgage rate.

The factors lenders will consider are:

Your credit rating. If you have a poor credit rating it might still be possible to be offered a mortgage. However, the interest rate on your mortgage offer is likely to be higher than someone with a good credit rating.
The size of your deposit. The larger your deposit typically means the lower the interest rates you are likely to be offered. You’ll need at least 20-25% deposit to start with, with rates improving up to a 40-50% deposit.
The type of property. If the property you want to buy is non-standard, listed, or unique the higher your interest rate is likely to be. This is because lenders will see such properties as higher risk and potentially more difficult to sell on. For example, if the property has a flat roof or is in need of lots of repairs you might struggle to get a good offer.

We can help you navigate the holiday let mortgage landscape so if you’ve any queries, please get in touch.

How could listing my property on Airbnb affect my existing mortgage?

Always contact your existing lender if you plan to rent out part or all of your property on Airbnb to tell them of your plans. They may want to know how many rooms will be available and for how many weeks a year. You might also have to prove that your original intention when taking out the mortgage was to live in the property and that your decision to list on Airbnb is a recent one. In most cases lenders will provide consent, for an arrangement fee.

However, some may decide to increase the interest rate on your mortgage. This happens if the lender thinks there’s an increased risk of damage to the property. They’re taking the long view. Foot traffic and wear and tear can make the property harder to sell on. If you don’t tell them what you are doing and they find out, they may force you to re-pay your mortgage, so it’s not worth the risk.

Don’t worry, we’ll help you work out the best solution for your plans and ensure you have the right mortgage, whatever happens.

Airbnb Mortgages