Holiday Let Mortgages

We can help you find the best mortgage deals available for your holiday let. Holiday let mortgages are viewed differently by mortgage lenders as the rent from holiday lets is more seasonal and often charged at a premium. Find out more on this page or contact an expert who will help you calculate how much you could borrow for a holiday let.

Holiday Let mortgages

An increasing number of property investors are considering buying holiday homes in hotspots around the UK.

Holiday Let’s can provide a second income and potential tax advantages.

Rating: 5 out of 5.

We have dealt with Matt and Fred with our mortgage at Prospect Tree. They have been friendly, helpful and professional. Could not recommend them enough. Made the process really easy and they respond to emails and calls quickly. Explained any jargon that we wasn’t sure on. Do not hesitate to use them. You won’t regret it. Fantastic service!

Holiday Let mortgage calculator

Holiday lets are calculated differently from traditional buy to let mortgages. It is advisable to get bespoke advice so you can be aware of all of the products and services available to you. Once we understand you goals, we can use specific calculators to help you find out how much you can borrow. Not only that, but we will help you work out how much income you could receive from your holiday let once you have paid your mortgage repayments.

Things to consider

Mortgage loans for holiday lets belong to a specialist market, because of this, they require plenty of flexibility when it comes to finding the right product.

Buy-to-Let mortgages are usually granted on the basis that a long-term rent will be received to cover the mortgage. As holiday let income is usually shorter term and more sporadic, the lender will calculate affordability differently.

The lender will be taking into consideration that property will unlikely be let all year round and income will rise and fall dependent on the seasons.

Therefore, it is important to discuss your requirements with a whole-of-market expert who can find the right product to suit your needs as a traditional Buy-to-Let mortgage may not be suitable.

Holiday lets offer more flexibility to the property owner, and they will have more access to their property than they would usually by having a long-term tenant.  

In down seasons they will be able to enjoy the property for themselves and rather than worrying about tenants, you can start thinking about weekend guests and earning super host status.

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Prospect Tree Mortgages, Acorn Barn, Wembdon Business Park, Smeeth, Ashford, Kent TN25 6SZ

Telephone0800 8620 840


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A mortgage is a loan secured against your home or property. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. Click here to see our fee info. Think carefully before securing debts against your home or property. The financial conduct authority does not regulate most forms of buy to let mortgage. Prospect Tree Mortgages LTD is the appointed representative of TenetConnect Services Ltd, which is authorised and regulated by the Financial Conduct Authority. TenetConnect Services Ltd is entered on the Financial Services Register (www.fca.org.uk/register) under reference 150643. Prospect Tree Mortgages Ltd is registered in England and Wales under reference 10112043. Registered Office Address: Acorn Barn, Wembdon Business Park, Smeeth, Ashford, Kent, TN25 6SZ. The information contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.