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Holiday let Mortgages

You’ve found the right holiday property, now you need to find the right mortgage

Specialist Holiday Let Mortgage Broker

Homeowners often want to buy a holiday property to rent out to tourists and other visitors and make some extra income. If you are looking to buy a holiday rental property and need to finance it, a holiday let mortgage is for you.

A holiday let mortgage is a mortgage that applies to properties bought for the purposes of renting short-term. If you’re purchasing a holiday home specifically to rent out to others, this mortgage applies to you. GPS Financial has financial specialists that can guide applicants through the best process and actions to ensure a successful outcome.

Buy-to-Let vs Holiday to Let

Many homeowners ask if a buy-to-let mortgage will work for them when seeking a mortgage for a holiday rental property. A buy-to-let-mortgage is a mortgage for an investment property, including rental properties, but this mortgage cannot be used for holiday properties.

Holiday to let mortgages are specifically for short-term rentals like holiday rentals. The mortgage is more flexible when it comes to your property’s income since holiday rentals are less predictable than something like a rented home or a flat, where leases are much longer.

Requirements to Qualify

There are only a few essential requirements you must fulfil to qualify for a holiday to let mortgage. You must:

  • Have a minimum income of £25,000 
  •  Be a homeowner

There are no geographical limitations on your mortgage application.

Mortgage Specialists at GPS Financial Can Help

GPS Financial has over 20 years of experience advising clients on financial investments and mortgages. We help you navigate the process of securing your holiday to let mortgage, finding favourable rates for you, and making it easier for you to start your holiday rental business.

GPS Financial can find you mortgages for purchases or remortgaging at excellent fixed rates, so you can have a more stable and profitable holiday rental business.

For homeowners who want to buy a holiday rental, we offer:

2-Year Fixed Rate Holiday Let Mortgages

  • Holiday Let Purchase at 3.35% – (up to 75% LTV)
  • Holiday Let Remortgage at 3.35% – (up to 75% LTV)

For companies looking to buy a rental property for company holiday purposes, we offer:

2-Year Fixed Rate Limited Company Holiday Let Mortgages

  • Limited Company Holiday Let Purchase at 3.60% – (up to 74% LTV)
  • Limited Company Holiday Let Remortgage at 3.60% – (up to 75% LTV)

How to Apply?

If you are planning on buying a holiday property to rent, GPS Financial will help you handle your application for Holiday Let Mortgage. We understand how the process works for theses specific properties and the best way to apply is by getting in touch on  02922 677 725, or fill out the form on the contact page.

Testimonials From Our Great Customers

"GPS financial have been absolutely invaluable in the growth of my business."

I have found the whole team very professional and knowledgeable. The founder Morgan Stewart has been brilliant and for this reason I continue to recommend to anyone that asks me for a broker.

- Michael Kalisperas

Testimonials From Our Great Customers

"Your work over the past few weeks has been massively appreciated."

 "My old broaker couldn't get me a ortgage. Morgan found solutions to all the hurdles we came across. In a very tight timeframe we managed to complete on two properties before the stamp duty hike. Fantastic, level headed and professional. Thank you."

- Morgan

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Morgan Stewart T/A GPS Financial are authorised and regulated by the Financial Conduct Authority for credit broking and mortgage advice (FCA 711306)Your property is at risk of repossession if you do not keep up repayment of any loans secured against it. Email communications are not secure