Can I use the property myself?

Yes. HMRC's furnished holiday let rules allow personal use, but it affects the qualifying criteria. To qualify as a furnished holiday let (and receive the associated tax benefits), the property must be available for letting for at least 210 days a year and actually let for 105 days.

Holiday Let Mortgages

Your holiday let. Properly financed.

Standard buy-to-let lenders won't touch holiday lets. I work with the specialist panel that does, and understands short-term rental income calculations.

Book a no-obligation call

Initial consultations are completely free of charge. There's no obligation to proceed and our broker fee of £495 will only become payable if we proceed to a full application.

Your home may be repossessed if you do not keep up repayments on your mortgage.

In brief

Airbnb and short-term rental properties
Seasonal and annualised income assessment
75–80% LTV available
Personal name and Ltd Co purchasing
Second home and holiday let distinction explained

The Financial Conduct Authority does not regulate some forms of Buy to Lets. Your home/property may be repossessed if you do not keep up repayments on your mortgage.

Common questions

Questions about Holiday Let Mortgages

Specialist lenders generally use an ARLA or letting agent projection of annual rental income, then apply their stress test. Some use a percentage of the property value. Actual Airbnb revenue can sometimes be used with 12 months of statement history.

Talk to me before you decide anything.

Free call, no commitment. I'll give you the honest picture and a recommendation that's right for you.

Book a no-obligation call

Initial consultations are completely free of charge. There's no obligation to proceed and our broker fee of £495 will only become payable if we proceed to a full application.