Holiday Let Mortgages

We specialise in securing holiday let mortgages that offer you the flexibility to rent out your dream holiday home and enjoy it yourself.

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Unlike traditional long-term buy-to-let (BTL) mortgages, a holiday let mortgage allows you to acquire a property intended for short-term rentals to holidaymakers, effectively turning it into a business. This approach often will enable you to command a higher rental income while still retaining the ability to use the property as your holiday getaway. Holiday let mortgages present an appealing alternative to standard buy-to-let loans, especially in light of the increasing popularity of UK staycations among Britons.

For a more comprehensive discussion about your holiday home mortgage aspirations, and if you would like to obtain regulated financial advice, The Mortgage Blog can help you by introducing you to Trinity Financial.

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Enter your details below, and one of our specialist mortgage experts will contact you to discuss your options and help you secure the best deal.

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What to expect

Financial Assessment

First, your advisor will examine your financial situation to determine what you need and can afford. This step is essential to determining your borrowing capacity. They’ll also advise you on the right insurance to safeguard your mortgage, such as life insurance, income protection, critical illness coverage, and building and contents insurance.

Mortgage Search

Next, your advisor will scour the market for the best mortgage deals tailored to your needs. With access to a vast range of lenders and even exclusive offers that aren’t available to the public, they’ll help you get the most value for your money.

Agreement in Principle

Once your advisor has a few options, they’ll go through them with you and, after finding the right fit, will do a credit check with the recommended lender. If all goes well, you’ll secure an Agreement in Principle, giving you a solid property search budget.

Offer Accepted

When you’re ready to proceed, your advisor will apply to the chosen lender with all the necessary paperwork. They’ll also provide you with a clear mortgage illustration, showing exactly what you’re signing up for.

Application Progression

During this phase, your advisor and their team will coordinate with the seller’s agent for the bank’s property valuation and keep you in the loop at every step. They’ll also handle any questions from the lender to ensure things stay on track.

Mortgage Offer

Once the offer is ready, your advisor will review it carefully to ensure it meets your expectations. You’ll receive a copy for your records, and a second copy will be sent to your solicitor.

Exchange of Contracts

At this stage, any insurance policies you’ve set up will go live, giving you peace of mind that everything is covered.

Completion

Congratulations! With contracts signed and everything finalized, it’s time to collect your keys and enjoy that hard-earned sense of relief—you’re officially a homeowner!

Our Experts

With The Mortgage Blog, you’ll have a dedicated team supporting you every step of the way. We’ll lift the burden, saving you time and sparing you the stress.

Our exceptional brokers will find the best mortgage deal for you, and with our wealth of experience, you’ll be holding the keys to your new home before you know it!

Holiday Let Mortgages

170+ Lenders

Fast Decisions

Expert Brokers

Save Time & Hassle

Request a Callback

Request a Callback

What to expect

Financial Assessment

Mortgage Search

Agreement in Principle

Offer Accepted

Application Progression

Mortgage Offer

Exchange of Contracts

Completion

Our Experts

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