Compare today's best-buy holiday let mortgages by deposit size, then talk to our mortgage advisers about short-term rental assessment, lender criteria and getting your holiday let purchase funded.
Mortgages for Holiday Let Purchase
A holiday let mortgage isn't a standard buy-to-let mortgage. Because the property is let to guests on a short-term basis, lenders assess the deal on projected short-term rental income, seasonality, location and your plans for owner use, not a long AST tenancy. So the right lender, the right structure and a realistic rental case matter far more than the headline rate.
Our mortgage advisers will model the rental cover a lender will actually accept, compare specialist holiday let products across the whole market, and run your purchase from valuation and deposit through to completion, so your funding doesn't slip when you've found the right property.
Holiday let purchase mortgages by deposit size
Holiday let lenders typically want a larger deposit than residential. Most require at least 25% down, with the best rates opening up as you put more in. Use the tabs below to compare today's lowest true-cost holiday let purchase deals across different deposit sizes.
These tables show illustrative best-buy deals for a typical holiday let purchase. Your own rate and options depend on your property, rental projections and circumstances. Speak to a mortgage adviser for a personalised comparison.
Explore our holiday let purchase resources
From how holiday let affordability is calculated to managing seasonality and preparing a strong application, we've pulled together everything you need in one place.
How our holiday let purchase mortgage service works
Tell Us About You
Share the details of your situation by completing a quick 60-second form. It takes just a minute and won't affect your credit score.
Mortgage Match
We search across more than 100 lenders — including exclusive deals only available through specialist brokers — to find the right mortgage for you.
Meet your Expert
We pair you with your dedicated mortgage adviser. They'll manage everything from start to finish while you track progress anytime in your personal customer portal. No chasing, no messy paperwork.
Holiday let lenders we work with
As an independent broker we search deals from a wide panel of high-street and specialist lenders, not just one. That means more options for holiday let purchases, including lenders who'll consider short-term rental income, varied locations and mixed owner-use arrangements.
Ready to talk through your holiday let purchase?
Tell us about the property, the location and your rental plans, and one of our mortgage advisers will come back to you with clear, no-pressure guidance on which lenders and products fit your case.
Get in touch
We are your online mortgage broker, offering you the convenience of applying for a mortgage online. However, we understand that sometimes you may prefer to speak with a human - phone, email or in person.
- Phone number
- 01133 205 902
- [email protected]
- Postal address
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31 Bradford Chamber Business Park,
New Lane, Bradford, BD4 8BX
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We are authorised and regulated by the Financial Conduct Authority (No. 919921). The FCA does not regulate most Buy to Let mortgages.
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
Cyborg Finance Limited is registered in England and Wales (No. 12131863) at Bradford Chamber, New Lane, Bradford, BD4 8BX