Holiday lets

Here comes the sun (hopefully - it's the UK after all!)

As well as competitive rates, we’ve got some fantastic criteria points that are sure to bring some sunshine to you and your clients.

Here’s all the key information you’ll need:

  • No minimum personal income requirement
  • We’ll lend in England and Wales (but not currently in Scotland)
  • Maximum loan £750k
  • ICR 160% @ 6.15% over 32 weeks for 5 year fixed rates
  • ICR 160% @ 6.15% over 32 weeks for like-for-like remortgages
  • ICR 160% @ 8.15% over 32 weeks for all other lending
  • Personal use permitted for up to 60 days per year
  • Up to two holiday lets allowable
  • Personal name only (we do not accept limited company holiday let applications)
  • Have an EPC rating of E or higher.

All this plus:

  • We pay a proc fee of 0.50 bps.

See our current holiday let products (all available at up to 75%)

See our holiday let rate card.

Acceptable holiday letting agents

We will accept estimates of rental income as part of holiday let applications from the following letting agents:

AirBnB Heart of the Lakes National Trust
Booking.com Holidaycottages.co.uk Rural Retreats
Coast and Country Cottages Hoseasons Suffolk Retreats
Cornish Cottage Holidays Independent Cottages Sykes Holiday Cottages
Cottages.com Lakelovers Toad Hall Cottages
English Country Cottages Landmark Trust VRBO (formerly Homeaway)
Forest Holidays    


If your agent is not on the list above, please contact your BDM.

Interest in holiday lets

Research shows the COVID-19 driven staycation boom has potentially inspired millions to consider buying a UK holiday let property.

Check our holiday let products

Download our rate card and check out the products we have available for holiday lets.