Your Holiday Let
Mortgage Broker
"Just 5 mins to your free, personal,
holiday let mortgage assessment"
Start an application now to support your property purchase
Remortgage or a brand new mortgage, get started now
See what you could borrow without creating an account
Why use Holiday Cottage Mortgages (HCM)?
Your Success
From the outset one of our highly skilled and experienced advisors will look after you and lead the way as we cross the holiday let mortgage minefield, giving you the very best chance of success with your property transaction. Don't take our word for it - just read our 5-star customer reviews above and see for yourself what our customers think of HCM!
Deep Expertise
HCM has deep specialism in holiday let mortgages, built from 8+ years of experience. As of June 26, we have submitted over 1,100 holiday let mortgages worth over £200 million. We have close relationships with key lenders and often help them write and refine their holiday let mortgage criteria.
How it works
Complete online system
Best suitable rate found
Application submitted
Mortgage offer
Read our expert advice
We are holiday let mortgage experts and we regularly write detailed articles on various topics to help our customers navigate this space with confidence. Click on one of our current articles below, or visit our Help and Advice centre and enjoy all of our original content, written for you.
What Makes Holiday Cottage Mortgages (HCM) So Unique?
We specialise exclusively in holiday let mortgages, unlike many general mortgage brokers. With years of experience arranging finance for holiday let investors across the UK, we understand the unique challenges and opportunities of this specialist market.
Our expertise includes:
Furnished Holiday Lets (FHLs)
Limited Company holiday let mortgages
Complex income and self-employed applicants
Portfolio landlords
Multi-unit holiday lets
Rental income and affordability assessments
Over the last 8 years, we've helped over 1,100 property owners apply for the finance they need, including many cases that mainstream brokers have been unable to place. We have access to "Whole of Market" holiday let lenders who sometimes provide exclusive deals available only to HCM customers.
What also makes us different is that we're not just mortgage specialists - we've been holiday let owners and operators too. We have first-hand experience of the realities of running a successful holiday let business, from navigating regulations and seasonality to maximising occupancy and profitability.
That means we understand your business, not just your mortgage application.
Let us take care of arranging your finance, so you can focus on what you do best, running a successful holiday let business.
Start an application now to support your property purchase
Remortgage or a brand new mortgage, get started now
See what you could borrow without creating an account