Holiday let and serviced accommodation finance across the UK

Holiday lets and serviced accommodation are one of the strongest income stories in UK property, and they are financed differently from a standard buy-to-let. The right facility is rarely the cheapest headline rate. It is the one that completes on time, suits a property that earns its money in peak season and refinances cleanly onto a long-term holiday let mortgage once it is trading. We arrange that facility.

We work with investors, holiday let owners, portfolio landlords and developers across the country. We arrange the holiday let mortgage that buys a cottage or apartment to let short-term, the serviced accommodation mortgage behind a city apartment or aparthotel, the bridging that secures a property or an auction purchase quickly, the conversion and development finance that funds a barn conversion or a ground-up scheme, the refinance that moves a property onto better terms or releases equity, and the portfolio facilities that hold a collection of short lets for the long run.

A holiday let is underwritten differently from a buy-to-let on an assured shorthold tenancy. There is no single tenant on a twelve-month lease: lenders read the projected short-let income, the occupancy pattern across the year, the achievable nightly rate and the operator behind the property. Because we sit across more than one hundred lender relationships, we know which desks genuinely back holiday lets and serviced accommodation, at what leverage and on what terms. That is the work.