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.
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 30 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.
Below, we’ve outlined the types of applications we can consider from you for your clients, and the products that apply to each.
| Core product | Specialist product | Specialist+ product |
| Sole Trader & Partnerships | Limited Company Special Purpose Vehicle or Limited Liability Partnership Special Purpose Vehicle without personal guarantee | Trading Business (Entity type sole trader, partnerships, Limited Company, Limited Liability Partnership) |
| Limited Company Special Purpose Vehicle or Limited Liability Partnership Special Purpose Vehicle with personal guarantee | Security address above Commercial property | Complex Security (i.e. layered structures, cross company guarantees) |
| 3 or less mortgaged buy to lets and holiday lets in portfolio | 4-8 mortgaged buy to lets or holiday lets in portfolio | 9 or more mortgaged buy to lets or holiday let properties in portfolio |
| Capital raising for debt | HM Land registry includes more than one letting unit on the title up to 3 letting units Max. | Real Estate property developers |
Maximum of 20 properties in portfolio (total number of properties includes Buy to Let/Holiday Let/Commercial investments).
If your client’s application falls outside the above criteria, our Commercial Team may still be able to assist and can consider more non-standard case such as -
Please note that all such applications are subject to commercial pricing and criteria.
Please contact our Commercial team who may be able to help.
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.
A husband-and-wife team have fulfilled their lifelong dream of owning a home in the Cumbrian countryside by turning it into their first hospitality venture thanks to support from The Cumberland Building Society.
After several years of adjustment, 2025 is building on a year of steady revival for the UK’s Holiday Let sector.
The Cumberland has joined L&G Ignite as lender partner, giving brokers access to residential and Holiday Let mortgage products.