About Us

Our Story

The market for staycations and holiday letting continues to enjoy strong growth, with companies such as Airbnb and Expedia pushing the industry forward. Many investment companies are also choosing to buy in to the industry right now, demonstrating confidence in the future of the holiday letting business model and confirming the holiday cottage as part of the modern vacation package, alongside flights, hotels and car hire.

The one thing consistently holding back this shift in the market? The access to affordable holiday let mortgages.

For too long, there has been mis-information and poor understanding about how to get holiday let mortgages. Traditional brokers are often confused about the differences between holiday vs. buy to lets, whilst property owners are regularly, and wrongly, being advised that holiday let mortgages are a form of commercial finance, which must be repaid under normal commercial banking terms, such as a 5 year deal at 10% interest charge per annum. The list of confusion goes on.

HCM’s purpose is to enable you to realise your opportunity of holiday letting by providing a specialised, digital broker service, focussed solely on holiday lets, quickly and simply. With our combination of expertise, skills and technology, HCM presents a unique market offering and our strategic aim is to be the number one choice for everyone who is seeking to secure holiday cottage finance.

AI Summary of Our Customer Reviews

The following summary has been created by AI entirely from our customer comments (unfiltered), all of which can be viewed on our Google business profile.

1. Specialist Expertise That Solves Complex Cases

Our customers consistently highlight that we succeed where others fail. Many came to us after regular brokers couldn't help them, or after being told their mortgage "wasn't possible." Whether it's a complicated remortgage, an expat situation, manual underwriting challenges, or non-straightforward applications, our team's deep knowledge of the holiday let mortgage market means we know exactly which lenders to approach and how to navigate the complexities.

Customer Experience: Clients describe feeling confident and reassured because they're working with true specialists who understand the unique challenges of holiday let mortgages. They appreciate that we don't just process applications—we solve problems and find solutions tailored to their specific circumstances.

The Benefit: Customers secure mortgages they couldn't get elsewhere, often with better rates than they expected. They complete purchases they thought might fall through and achieve their holiday let property dreams.

2. Personal, Responsive Service Throughout

Unlike larger brokerages, we assign each client a dedicated adviser who stays with them from start to finish. Customers rave about working with the same person throughout—whether it's Paul, Crystle, Chris, Tom, Amber, or another team member. They consistently mention our exceptional communication: phones answered immediately, emails responded to promptly, and always being kept informed at every step.

Customer Experience: Clients feel supported, never left in the dark, and describe us as friendly, approachable, patient, and professional. Many mention how we "went above and beyond," were "tenacious" in progressing issues, and made what could have been a stressful process feel straightforward and even enjoyable. Several reviews specifically mention our sense of humour and ability to make the journey relaxing.

The Benefit: Customers feel valued as individuals, not just transaction numbers. They experience less stress, have clarity throughout the process, and build genuine relationships with their adviser. This personal approach transforms what's often an anxious experience into a collaborative partnership.

3. Outstanding Results and Lasting Relationships

Our customers don't just complete once—they come back. Numerous reviews are from second, third, or even fourth transactions with us. Clients consistently report that we found them excellent deals, secured competitive rates, and helped them build their holiday let portfolios. They also praise our bespoke online system for being clear, comprehensive, and easy to use whilst keeping them in control.

Customer Experience: Clients feel like they've achieved their goals with a team that genuinely cares about their success. They describe feeling confident in the advice received, pleased with the outcomes, and grateful for the professional yet friendly approach. The combination of expertise, technology, and personal service leaves them feeling they made the right choice.

Would They Use Us Again? Absolutely yes. The reviews are filled with comments like "will definitely use again," "look forward to the next one," and "would not hesitate to recommend." Many specifically state they wouldn't use anyone else for their holiday let mortgage needs, with several becoming repeat clients who return for every new property purchase or remortgage.