Holiday Let Mortgages - Finance for Holiday Lets| HCM

Second time we have used this company, and both times they have been truly fantastic. Tom has always responded to email and phone calls providing appropriate advice, guidance and explanation - which in turn has allowed us to get a fantastic mortgage product (again!). I would highly recommend this business.

in the last week

Holiday Lettings

Great access to lenders, and my own experience proved the value of using a knowledgeable, effective and capable broker. Really helped to push things along and get updates from the lender. First class and will definitely use HCM on my next property purchase

in the last week

Neil Davies

I was a complete novice where holiday let mortgages are concerned, but Holiday Cottage Mortgages (Crystle in particular) took care of me every step of the way. I was very impressed by their attitude, responsiveness and thorough understanding of the market. Although I asked about 1000 questions, they...

2 months ago

John Reid

Excellent service from finding the correct mortgage through to completion. Always easily contactable, approachable and very willing to support in a timely, helpful and worthwhile way. I would definitely recommend. 5 stars from me.

a month ago

Brenda Anglim

Would highly recommend HCM. We worked with Tom who managed to get us a mortgage our previous broker told us wasn’t possible. Professional and efficient throughout the application process.

3 weeks ago

Gregory Melvin

The smarter way to get a holiday let mortgage

Tailored form

Beautifully simple, online application form

Customised journey

Our technology asks only the questions you need to answer

Stay updated

SMS and email application updates

Free assessment

Quick, initial assessment by a mortgage expert

Trusted experts

Trusted

We are fully authorised to arrange holiday cottage mortgages on your behalf, taking away the hassle and misery of the traditional mortgage process, leaving you with more time to focus on your new holiday home

Experts

HCM was founded by holiday letting experts who understand the holiday letting market, ensuring your mortgage application is properly structured and completed, giving you the best chance of success

How it works

1
Sign up
2
Free initial assessment
3
Complete the online form
4
The best mortgage sourced

We are here to help

Alongside our smart technology, we provide fully qualified mortgage advice, ready to help you every step of the way.

Read our expert advice

Learn how to get the most from our system by reading our Starter Guide, FAQ and Information Checklist or get insider insight from holiday let experts by clicking on one of our articles below, or by visiting our Help and Advice centre.

The Business Model for Holiday Lets – Everything You Need to Know

Holiday Let Mortgage Criteria You Need to Be Aware of

Buying a holiday home

Here at Holiday Cottage Mortgages, we think getting a mortgage for your holiday let should be easy and transparent. That’s why we put together a platform that could help the process move much more smoothly for customers, minimise paperwork and give people the best chance of success from their application.

We are holiday letting experts with experience working in the industry, and so we know the challenges of the mortgage process for new holiday lets across the UK. We can help you manoeuvre across the bumps that appear along the way whether you’re a cottage in the highlands of Scotland, house on the coast of Wales or a holiday home tucked in a beautiful village in England.

That leaves you to focus on what you want to do: running a successful holiday let business and filling it with happy holidaymakers!

"Holiday Cottage Mortgages blends niche mortgage skills with holiday letting experience to offer a genuinely unique solution to existing and soon-to-be holiday let owners."