Holiday Cottage Buy To Let

Holiday Cottage Buy To Let

Holiday Cottage Buy To Let - Holiday cottage buy to let mortgages are available to individuals wishing to purchase a holiday cottage in the UK for rental purposes. Individuals purchasing a holiday cottage buy to let can choose not to live in it and let it fully. Alternatively, whenever on holiday, individuals can reside in their holiday cottage buy to let property and let it out for the rest of the year. However, obtaining a holiday cottage buy to let mortgage can be difficult as there is no assured shorthold tenancy agreement. As such lenders tend to exclude them from standard buy to let mortgage schemes.

Our team of experienced brokers can assist you to obtain a mortgage for your holiday cottage buy to let property. Over the years our advisors have established good working relationships with holiday cottage buy to let mortgage providers. We understand our lenders’ criteria and are aware of which lenders will assess your holiday cottage buy to let mortgage application solely on personal income, rental income, or on a combination of the two. In order to arrange a mortgage for you with the right lender, our holiday cottage buy to let brokers will conduct a detailed fact find to ascertain your financial situation. Based on this, we will use our comprehensive panel approach to find you the most competitive holiday mortgage buy to let mortgage rate, with the right lender and at the right time for you.

We are confident that our contacts and relationships with holiday cottage buy to let mortgage lenders will increase the chances of securing you the most suitable package on the most favourable terms for you.

If you need any assistance why not speak to one of our Mortgage Advisers by calling 020 77 100 400 or Enquire Online.

For further information on how we can help, call our dedicate holiday cottage buy to let mortgage team today.

How to get in touch

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Selected Holiday Let Mortgages

A selection of some of our lenders mortgage products and rates are shown below. Contact us for a quote specific to your circumstances. Table data updated 04/04/2016.

CodeIntial
Rate
Mortgage
Type
For /
Until
Subsequent
Rate
APRCEarly
Repayment
Charge
Fixed Lender
Fees
% Lender
Fees
Notes
001 2.10% Discount 2 Years 5.99% 5.19% 3% of loan to be paid within first year, Then 2% of loan to be paid for next year, 10% capital repayments allowed per year without penalty. £199 None

Max 60% loan to value

Min personal income of £40,000

Max Loan £500,000

002 2.10% Fixed 30/04/2018 4.99% 4.73% 3% of loan to be paid until 30/04/2018 £994 None

Max 60% loan to value

Min personal income of £20,000

Max Loan £250,000

003 2.80% Fixed 30/04/2018 4.99% 4.85% 3% of loan to be paid until 30/04/2018 £895 None

Max 75% loan to value

Min personal income of £20,000

Max Loan £250,000

004 4.49% Discount 2 Years 5.49% 5.5% 2% None 0.75%

Max 70% loan to value

Min personal income of £25,000

Loans to £1M