Holiday Let Mortgage Products

A kinder approach to Holiday Let mortgages for brokers

We offer a range of Holiday Let mortgage products. For details of our Product please click here.

View our lending criteria to find out more.

Below, we’ve outlined the types of applications we can consider from you for your clients, and the products that apply to each.

*When determining the total number of properties, include mortgages where the borrowing is structured through a limited company entity if the customer has provided a personal guarantee of 50% or more of the loan amount or the loan is in personal names. Where the borrowing is through a limited company and no guarantee has been provided or the guarantee is less than 50%, the mortgage should not be included in the property count.

Maximum of 20 properties in total within your portfolio, whether mortgaged or unencumbered. Include all 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 -

• Property occupancy restrictions (such as properties restricted to holiday letting use only)
• More than 12 acres of land
• 4 or more letting units on the title/estate
• Where there is a commercial element with shared facilities (swimming pool, play barn, shop)
• Property Class C1/Sui Generis

Please note that all such applications are subject to commercial pricing and criteria.

Please contact our Commercial team who may be able to help.

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