Holiday Let Mortgages

Looking to secure a holiday let mortgage? Kingsbridge Specialist Finance can help.

Owning a holiday let property is a rewarding investment, and securing the right financing is essential. The holiday let mortgages we advise on cater to investors looking to purchase or refinance holiday homes. We understand the specific affordability requirements of this market and can advise on the best product that will maximise cash flow or working capital, as your needs dictate.

What are Holiday Let Mortgages?

Holiday let mortgages, also known as short-term rental mortgages, are mortgages specifically designed for investors who want to buy properties with the intention of renting them out on a short-term basis for holidays.

These mortgages are designed specifically for the holiday let market, where properties are typically rented out for a few days or weeks at a time.

What are the key factors involved with mortgages for serviced accommodation?

This sector has some specific aspects to consider, namely;

  • The predicted rental income that the property will generate.
  • How many weeks rental will be likely be achieved.
  • What demand exists in the area for the type of accommodation offered?
  • How the property will be managed.
  • How the property will be advertised.
  • Mortgage rates for Holiday Lets will also be higher than normal residential mortgage rates.

Affordability is calculated from the predicted rental and lenders will all have a slightly different approach to the calculation, making it really important to engage with a broker that understands the nuances. Like us!

If you’d like to discuss arranging a serviced accommodation mortgage in more detail, please fill in your details below and we’ll call you back.

Holiday Let Mortgages
Holiday Let Mortgage
Holiday Let Mortgage

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Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

Some forms of Buy to Let mortgages are not regulated by the Financial Conduct Authority.

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Jess Jaynes 1 year ago
Very smooth process and speedy service plus useful advice!
Thank you very much James (speak again in a couple of years 😅)
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Joe Watts 2 year ago
James’ communication is second to none! He’s got a wide range of lenders available so his ability to get the very best deal out there is unmatched!
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David Dalby 2 year ago
James was recommended to me by a colleague and provided a first class service from beginning to end, his wealth of knowledge within the sector assured a great deal that left us completely satisfied.
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David Llewellyn 2 year ago
Working with James has been a breath of fresh air. Having been a developer himself he is someone who knows what you need and knows the pitfalls and headaches that come with raising finance. He has guided me though this really well and been a source of calming sage advice. I would absolutely recommend him and Kingsbridge to anyone looking to raise finance for development.
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Delia Ripley 2 year ago
James is highly professional, exceptionally knowledgeable and very personable. He has made our experience of borrowing money stress-free, and has gone that extra mile to make sure we were fully informed; taking the time and trouble to make sure we had the very best deal available. Even though our case was not necessarily straightforward, James explained all options in language that we could understand, and supported us through every step of the process. Always happy to chat through any queries, James has made remortgaging enjoyable and I highly recommend him for all your mortgage needs.
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Henry Lovell 2 year ago
James has taken the time to break down all the information on various lending options to help me decide what loan options to use which helped grow the business. I would recommend.
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Tom Webster 2 year ago
Jim is absolutely on-top of the mortgage process. He’s helped me secure three mortgages including residential and HMO buy to let. Hard working and even assisting on a Saturday evening when competing for a propert in bristol, which with Jim’s help I was lucky enough to get the offer accepted. The agent fed back that the vendor went with me due to the speed we managed to get all financials in order and how on top of it we were. Thanks a lot James and will use and recommend to friends and family for sure.
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Mark Axtell 2 year ago
James has been absolutely superb in helping us with our mortgage for our recent move. I’ve been blown away by how quickly James managed to get things done for us! Ive been dreading the whole process but with James it’s felt effortless! I’ll be certainly recommending him to my friends and family and will be 100% using him again! Thanks for everything James!! It’s a shame he isn’t a conveyancer as well!!
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Shane Patel 3 year ago
James has made securing my Mortgage a painless and easy process. Kept me informed at all times and guided me through every stage. Will be highly recommending
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jon drew 3 year ago
Great advice from James at kingsbridge, ended up with the perfect mortgage deal that has hopefully avoided most of the huge rises in interest rates. Thank you !!
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