Please Note: The information included within these pages is for for use by FCA authorised intermediaries only. If you are a customer please visit our customer web pages.

Holiday Let Mortgages

Welcome to The Cumberland for Intermediaries

The Cumberland are pleased to offer a wide range of market leading Holiday Let mortgage products. We are experts in the Holiday Let market with over 20 years’ experience of lending into the sector.

We pride ourselves on building strong relationships with the intermediaries who choose to work with us. We offer a single point of contact along with an efficient service to help you deliver a mortgage product to suit the needs of your client.

Our underwriting is manual, meaning we are adept in handling complex and unusual cases. We consider cases that many other lenders don't, including multiple letting units on one title, properties across split titles, limited companies and more.

Why Choose The Cumberland?

  • We lend throughout mainland UK plus selected islands
  • We offer mortgages up to 75% LTV
  • We lend to first-time holiday let investors
  • We finance properties in the name of individuals or limited company SPVs.

Does your client already run a holiday let business?

We can help your client remortgage if they wish to refinance their property. We will also finance multiple holiday let properties as their business grows.

Our Intermediary team can consider applications from you, on behalf of your clients in the following circumstances -

  • Borrowing in personal names*
  • Borrowing through a limited company SPV*
  • Maximum of 6 investment properties on completion*
  • Total mortgage exposure of £2m with The Cumberland*
  • Property has maximum of 3 properties on one title/Estate*
  • Property has less than 9 bedrooms per property and less than 12 acres of land*

* If your client’s application falls outside the above criteria, it may be subject to commercial pricing and criteria. Please contact our Commercial team who may be able to help.

The next steps...

At The Cumberland, we're committed to working with you to ensure you get the right mortgage to suit the individual needs of your client.

View our lending criteria to find out more or view our range of products.