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

Beautifully presented workflow

Trusted experts

We are trusted brokers


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

We are experts in holiday cottages


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

    5 mins to initial assessment

  • 3

    Complete the online form

  • 4

    The best mortgage sourced

HCM on Mobile & Tablet

"Holiday Cottage Mortgages made the process of choosing and applying for a mortgage so easy and straightforward. They were always available to answer any questions and were very knowledgeable and helpful throughout the whole process. The HCM portal is such an easy way of uploading all the necessary documents and guides you through the application, allowing you to see how your application is progressing. Would highly recommend HCM and Andy in particular."

Property purchased in Wales

"I just wanted to take this opportunity to say thank you so much for all your help on the mortgage application process. We have been very impressed by the expertise and support we have received, and the online tools were very user friendly."

Property purchased in Dorset

“HCM are a great, professional, mortgage advisor who knows the holiday let market very well and understands which lenders will match in order to generate the right mortgage offer, very fast. I would definitely use them again!”

Property purchased in York

"Just wanted to drop you a quick note to say thank you for helping us but also to tell you Crystal is a real credit to your company. She was so helpful, patient, knowledgeable and made the process really easy - good fun as well."

Property purchased in The Cotswolds

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 GuideFAQ 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.

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."