Holiday Let Mortgages

Looking to invest in a short-term rental property or second home? Holiday let mortgages are specifically designed for properties that will be rented out on a short-term basis, such as through Airbnb or seasonal bookings. Whether you’re starting fresh or expanding your portfolio, WIS Mortgages can help you find the holiday let mortgages with the best rates—all with no broker fees.

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Key Benefits

Maximise Income Potential:

Earn more through short-term lets, especially in popular tourist areas.

Personal Use Allowed:

Many lenders allow owners to stay in the property part-time.

Flexible Criteria:

Some lenders accept projected rental income from letting agents.

Tax Benefits:

Furnished holiday lets may qualify for specific tax reliefs.

No Broker Fees:

We help you access competitive products without charging advice fees.

Eligibility Criteria and Requirements.

Who Can Apply?

You may be eligible if you:

Are purchasing or remortgaging a UK-based holiday home
Intend to let the property on a short-term basis
Have a minimum 25% deposit
Can show projected or historic holiday rental income
Meet standard credit and affordability checks

What are the Requirements?

Property details including location and usage
Proof of deposit (typically 25–30%)
Projected or actual rental income (e.g. from a letting agent)
Proof of income (payslips or self-employed accounts)
Photo ID and proof of address
Bank statements (typically 3–6 months)

Please note: Meeting these criteria does not guarantee mortgage approval. All applications are subject to underwriting and affordability checks by the lender.

Instant Mortgage Quoting

Use the quick and simple quotation system to get a mortgage quote in seconds.

How the Application Process Work?

Applying for a mortgage through our service is straightforward

Book an Appointment

Book an appointment with one of our advisers to discuss your mortgage requirements. Be transparent about your situation so we make the whole journey much smoother for you.

Download MortgagX app

Download MortgagX app, fill in a few key details, select the recommended mortgage product, upload your documents and relax till we get your mortgage sorted.

Completion

Enter your new dream home!

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Processing times vary depending on lender efficiency and individual case complexity.

Important Information And Regulatory Disclosure

Risk Warning

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

FCA Authorisation

This service is provided by WIS Mortgages, which is authorised and regulated by the Financial Conduct Authority.

Fee & Commission Disclosure

We act as a mortgage intermediary and may receive commission from lenders. A fee may be payable for mortgage advice, which will be disclosed clearly in advance.

Adviser Disclosure

This content is for informational purposes and does not constitute personalised financial advice. Mortgage advice will be provided after assessing your individual circumstances.

Frequently Asked Questions

Find answers to some of the most common questions about mortgages, applications, and our services.

It’s a mortgage designed for properties rented out on a short-term or seasonal basis to holidaymakers, rather than long-term tenants.

Yes. Most holiday let lenders allow limited personal use, though usage terms may vary between providers.

Lenders may use actual or projected rental income from a holiday letting agent or property management firm.

We search across specialist and high-street lenders to help you compare holiday let mortgages and secure the most suitable deal—free of charge.

Yes. Many lenders accept Airbnb or short-term let income, especially with a proven track record or professional management.

In most cases, no—but local regulations or leasehold restrictions might apply. Always check with your local authority and freeholder.

No. Holiday lets involve short-term tenancy, so you’ll need a specialist product designed for that use.

Rarely. Most lenders require you to own your main residence first, although a few exceptions exist.

Yes—but lenders may limit personal use to a specific number of weeks annually, so check the terms.

Not always, but some lenders may prefer you to use a professional management company, especially for affordability projections.

Want to Talk it Through?

020 3011 1986 help@wismortgages.co.uk

We will be delighted to speak with you on the phone through our live chat feature now.

*Call us from Monday to Friday (9am to 6.30pm) and Saturday (9.30am - 3pm) We accept applications over the phone