Holiday Let Mortgages
Done.

"Just 5 mins to your free, personal,
holiday let mortgage assessment"

Start an application now to support your property purchase

5 mins to initial review

Remortgage or a brand new mortgage, get started now

5 mins to initial review

See what you could borrow without creating an account

Get real time estimates!

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

Your Expert Holiday Let Mortgage Broker

We are trusted brokers

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 mortgage minefield, giving you the very best chance of success with your property transaction.

We are experts in holiday cottages

Deep Expertise

Unlike other brokers, we focus purely on holiday let mortgages, every day, all year round. We are holiday let mortgage black belts!

Holiday Let Mortgage Rates Update Q1

After a stormy 2023, we turn into 2024 with a sense of optimism. Several macro economic indicators paint a positive outlook for holiday letting over this coming period. The Bank of England is holding interest rates, with some whispers of rate cuts in the later part of the year. Inflation seems to be getting under control. The property market is frothy with some excellent opportunities and the holiday let market itself remains as buoyant as ever with high expectations for 2024.

Many lenders are reviewing their rates and we are seeing the gap between two and five year fixed rates starting to close. Discount variable rates remain very popular choices for those who don't mind change and believe rates will not go any higher:

Lowest initial interest rates start at around 5.70% Discount Variable (up to 75% Loan to Value) over 2 years excluding all fees and the cheapest 3 year fixed rate at 75% LTV is around 5.80% plus fees. If you are thinking of a Limited Company Holiday Let Mortgage, then the best rates start around 6.00% Discount Variable for 3 years.

In conclusion, we see a positive climate for holiday letting, so please do get in touch to with us today to discuss you plans with one of our holiday let mortgage experts.

Get your free mortgage assessment

Request your free mortgage assessment, personalised to your requirements - completed by one of our expert mortgage consultants. We're here to help.

How it works

HCM on Mobile & Tablet

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."

Let's get started!

Start an application now to support your property purchase

5 mins to initial review

Remortgage or a brand new mortgage, get started now

5 mins to initial review

See what you could borrow without creating an account

Get real time estimates!