Holiday Let Mortgage

No hidden fees.

Personal relationship.

Holiday Let 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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Holiday Let Mortgages Specialists

Our expert team have been helping clients find the right Holiday Let Mortgage since 2015 and we're here to help you, too!

We'll work closely with you to help you achieve your dream of a holiday let cottage, house, flat or mansion.

You might want to buy a second home to share with friends, and family. Or perhaps you'd like to let it out and retire there later… There are many ways to enjoy a holiday home. Our experts will help you find the right mortgage for your needs.

Holiday Let Mortgage Calculators

Just complete the quick form below to ask Holly our AI Assistant to scan the market and give you an indication of what your Holiday Let Mortgage could look like.

Joe and Mark

Give us a call on 01453 887179


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How we can help you

Discovering what type of mortgage you need to fit the property you love is a real eye-opener. Our expert mortgage brokers know the holiday let mortgage market intimately and always aim to provide a bespoke service to every client. We'll be with you every step of way and help you to achieve your dream.

Everyone is different, and getting any kind of mortgage can feel overwhelming at times; a bit like climbing Everest. So, we're careful to explain what's needed to work out how much you can borrow for a holiday let and how the process works.

We'll advise you on what documentation will be required and will handle the whole application process for you. With a holiday let mortgage there's a lot to think about - no worries! Our experts will guide you up that mountain because we've climbed it many times before.

Working hard to understand your situation is what we do. And as part of that, we're able to explore different lenders to find the mortgage that suits you. Furthermore, we can put you in touch with specialists such as holiday lettings agents so that you'll find that dealing with rental income projections, estate agents, solicitors, and conveyancers is simplified and understandable.

What's special about a Holiday Let Mortgage?

A Holiday Let Mortgage is designed for buying a property you’d like to rent out to holiday makers.

When it comes to mortgages, there’s a big difference between a holiday home and a holiday let mortgage. If you’d like your second home to be a bolt-hole for you and your family you’ll need to apply for a Holiday Home mortgage.

And don’t forget: a buy-to-let property isn’t the same as a holiday let property. It’s another animal entirely! Buy-to-let is when you want to rent out a property to tenants on a long-term basis.

Holiday Let Mortgage
Holiday Let Mortgage

You could use your holiday let property yourself, but in order to qualify for a Holiday Let mortgage you will need to make the property available for holiday makers to rent. It should be fully furnished and available for a minimum of 210 days every year.

You can’t buy a property to let out to holiday makers or advertise on Airbnb using a standard home buyer mortgage, a First Time Buyer mortgage or a Buy to Let mortgage.

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 are here to help you navigate the application process and address all of the Holiday Let mortgage provider’s requirements. We will work to understand your financial position and help you to prepare all the information needed to find the right mortgage for you, including Holiday let rental projections. Please get in touch if you would like to ask us any questions

How much can I borrow?

What factors will a Holiday Let Mortgage provider take into account when assessing my application?

Do I need to be a current homeowner?

Can I stay in my own holiday let property?

What are the advantages of a Holiday Let property over a Buy to Let property?

What if the property requires refurbishment?

What kind of properties can I get a holiday let mortgage for?

What are the other potential costs I should consider when thinking about buying a holiday let property?

What tax benefits are there with a holiday let mortgage?

Could I buy a holiday let now and move into it once I retire?

Could I get a holiday mortgage if I'm an expat?

Could I buy a holiday let through my limited company?

I have a bad credit rating; will I be able to get a holiday let mortgage?


We're here to help

Call our mortgage experts today on

01453 887179

Alternatively, complete the form and someone will get back to you.