What are holiday let mortgages?
A holiday let mortgage is a loan secured against a property that will be rented to short-stay guests. Unlike a standard buy-to-let product, affordability is usually assessed on projected rental income across peak and off-peak seasons, as well as the property’s location and appeal to holidaymakers.
These mortgages can be used for new purchases or to refinance existing holiday lets. Avid Finance searches the market to connect you with lenders who understand the sector, helping you access competitive holiday let mortgage rates and products suited to furnished holiday let mortgages.
Traditional holiday lets
A huge range of traditional holiday let mortgage options.
Airbnb holiday lets
Bespoke mortgages for Airbnb and short-let properties.
Fixed or variable rates
Options to suit your needs include 2, 5 and 10 year fixed.
Free valuations
No valuation fee from selected lenders on properties up to £1 million.
How holiday let mortgages work
The application process involves an assessment of the property, its rental potential and your wider financial position. Lenders consider factors such as local demand, average occupancy and the property’s suitability for year-round letting.
Deposit requirements are typically higher than standard buy-to-let products, and criteria can vary between lenders. Avid Finance manages the process for you, ensuring your application is packaged effectively and giving you access to the best mortgage for holiday let investments.
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Key facts
| Loan Amount | £50,000 to £50 million |
| Loan Term | From 2 to 25 years |
| Loan-to-Value (LTV) | Up to 80% LTV |
| Rates | Initial rates from 3.6% |
| Repayment Types | Interest-only or capital repayment |
| Repayment Holidays | Capital repayment holidays available |
| Security | First and second charge |
| Asset Types | Including offices, retail units, restaurants and hotels. |
| Borrower Type | Sole trader or limited company |
| Region | England, Scotland, Wales and Northern Ireland |
Client reviews
Henrik, Birmingham
The team at Avid Finance were able to arrange a bridge loan on a semi-commercial property within a week. Best service bar none.
Ross, Wandsworth
Avid Finance provided an exceptional personal service… the only firm I spoke to that I felt truly had my needs at the heart of the discussion.
Mandeep, Southall
I would strongly recommend Avid Finance for corporate/commercial deals. They have variety of products depending on our need and urgency.