Mortgages for Holiday Lets
Unlock the earning potential of UK staycations. We arrange specialist mortgages for lucrative short-term holiday lets and Airbnb properties.
Capitalising on the Staycation Market
Holiday lets represent one of the most attractive sectors in property investment today. However, standard Buy-to-Let lenders will not accept the short-term tenancy model. We navigate the specialist Holiday Let market for you:
Higher Yield Potential & Stress Testing
Holiday lets typically generate significantly more income than standard AST rentals during
peak seasons. We work with lenders who understand and accurately stress-test these
fluctuating seasonal incomes, often taking an average over the low, medium, and high seasons
to maximise your borrowing capacity.
Tax Advantages (FHL)
Unlike standard BTLs, Furnished Holiday Lets (FHLs) have historically been treated as
trading businesses. While tax rules evolve, this classification can sometimes allow you to
still deduct mortgage interest from your rental income and benefit from specific Capital
Gains Tax reliefs (we always advise consulting your accountant to confirm current rules).
Personal Use Allowances
Want to enjoy your investment yourself? Many of our specialist holiday let lenders allow you
to use the property for your own personal holidays for up to 60 or 90 days a year. This
blends a profitable investment with a fantastic lifestyle asset for your family.
Airbnb & Short-Term Platforms
Not all lenders permit properties to be listed on platforms like Airbnb, Vrbo, or
Booking.com, strictly categorising them as commercial endeavours. We ensure your application
is placed with lenders who actively encourage and support the modern short-term let model.
Specialist Holiday Finance
The boom in UK 'staycations' has made holiday lets an incredibly attractive investment class. We secure the tailored finance required to capitalise on this high-demand market, ensuring your mortgage allows the flexibility you need.