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Buy-to-let & Commercial

Holiday Let Mortgages

Holiday Let Mortgages are becoming a more attractive investment opportunity. This is in part due to the recent staycation boom and government restrictions on travel.

Right now, coastal and countryside properties are the most popular holiday lets, however, many investors have also bought city centre properties and marketed on Airbnb. Whatever your preference Jordan Lynch is here to help.

Holiday Let Wales

What is a Holiday Let Mortgage?

You need a Holiday Let Mortgage to buy a property purchased with the intention of letting on a short-term basis. Holiday lets can provide higher yield than normal buy-to-lets due to the frequency of visitors and tourists to the location.

A Holiday Let differs from a buy-to-let, if it is available for letting as holiday accommodation for more than 210 days in a calendar year. Meaning that there are 22 weeks in a year that you can use your holiday home for your personal use. Your Holiday Let can be both a profitable business and a pleasurable getaway.

If your intention is to buy a property for your personal use but not let it out then you would not need a holiday let mortgage. Instead, you would need a mortgage for a second home. These are different mortgages, but Jordan Lynch can help you with both.

Do I need a specialist mortgage?

Can I just get a buy-to-let mortgage for my holiday let?

How much will I be able to borrow?

What is the lending criteria for a holiday let mortgage?

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