Holiday Lets

Mortgage For Holiday Let Homes

Mortgage For Holiday Let Homes - Mortgage for holiday let homes refers to the available mortgage packages sought by individuals looking to purchase a holiday home on a buy to let basis within the UK. A mortgage for holiday let homes can often be complex and difficult for individuals to obtain. . A mortgage for holiday let homes can come in various forms and packages, though it is considered a niche area within the wider buy to let mortgage package. Due to the various risks and associated with a mortgage for holiday let homes, few lenders are willing to offer suitable and affordable mortgage packages to individuals. This is where we can assist.

Our team of experienced brokers can assist you to obtain a mortgage for holiday let homes. Over the years our advisers have established good working relationships with a number of mortgage for holiday let homes providers. We understand our lenders’ criteria and are aware of which lenders will assess your mortgage application solely on personal income, rental income, or on a combination of the two. In order to arrange a mortgage for holiday let homes for you with the right lender, our 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 mortgage for your holiday let home, with the right lender and at the right time for you.

Our team vow to complete all the necessary paperwork required to secure your mortgage transaction. As well as speedily advising and guiding you throughout your mortgage for holiday let home solution, we will complete all the relevant paperwork to ensure your transaction is secured.

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

Seeking a mortgage for holiday let homes? Contact our specialist team today.

Mortgage Holiday Buy To Let

Mortgage Holiday Buy To Let - Mortgage holiday buy to let refers to a mortgages obtained on a holiday property that is subsequently let out. Many individuals can struggle when obtaining a buy to let holiday mortgage. Holiday buy to let properties are a specialist area and vary from normal buy to let mortgages as they are intended for shorter letting terms. Short term letting periods can result in periods where the property is unoccupied. In addition the continuous changeover of people can increase the wear and tear of a property. Lenders offering mortgages on holiday buy to let property may therefore be wary of doing so. This is where we can assist.

As a specialist mortgage broker we are able to assist those looking for the best holiday buy to let mortgage. Holiday buy to let property owners will receive a personalised service enabling them to find the most suitable mortgage. Holiday buy to let brokers will use our links to niche lenders to facilitate the process and increase your chances of a successful application. We aim to provide you with the right lender at the right rate at the right time.

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

Looking for a great deal on your mortgage? Holiday buy to let property owners call us today.

Mortgage Holiday Let

Mortgage Holiday Let - Mortgage holiday let refers to a mortgage used to purchase a holiday property to let out. Mortgage holiday let packages are suitable for clients wishing to rent their holiday home on short term contracts. With no assured shorthold tenancy agreement, borrowers should therefore be careful not to secure a standard buy to let mortgage package. Mortgage holiday let packages can be difficult to obtain as lenders may not be able to easily calculate potential rental income. With links to mortgage holiday let providers, our team can assist you.

As a broker specialising in mortgage holiday let packages, the best deals can be found by seeking our advice and assistance. We offer a personalised and holistic service that can respond to your individual circumstances. We know our lenders and are aware of the range of mortgage holiday let deals available on the market. It is important to consider all possible options available to determine the deal for you. Our comprehensive panel mortgage base gives us direct access to mortgage holiday let products not necessarily available on the open market. This allows us to secure the most competitive package for you. Our experienced brokers aim to put you in the optimum financial position.

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

Seeking the best mortgage holiday let package? The best deals can be found through our advisory team. Call us today.

Mortgage Holiday Lets

Mortgage Holiday Lets - Mortgage holiday lets refers to the available mortgage deals sought by individuals seeking to purchase a holiday let property within the UK. A mortgage, holiday lets or otherwise, can come in various forms on a tracker, fixed or capped basis. In addition, mortgage for holiday lets is available for a number of different uses. Certain deals will prevent the landlord from staying at the property at any one time, always renting the property out. Alternatively, other properties will allow the landlord to stay in the property for a certain period and offer the landlord the ability to let the property when he chooses.

Considering the unique nature of a mortgage for holiday lets in comparison to other buy to let mortgage products within the market, specialist advice and assistance may be required. We offer a personalised and holistic service for all clients seeking a mortgage for holiday lets within the UK, assisting clients throughout the application process in order to find the optimum financial result.

As a specialist mortgage broker, obtaining mortgages in holiday lets, we are experts in finding our clients the most suitable and affordable deals on the market. Our mortgage holiday lets team will search the available products from our comprehensive panel mortgage base, holistically analysing each deal’s terms and conditions to find which deal suits you best. We will ensure to complete all the relevant paperwork required to secure your mortgage transaction, all within your given timescales.

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

Our mortgage holiday lets team are awaiting your call. Contact us today.

Mortgages for Holiday Lets

Mortgages for Holiday Lets - Capital Fortune is a bespoke mortgage broker based in the City of London specializing in securing mortgages on property intended for Holiday Let.

Typically, our clients realize the difficulty obtaining residential holiday let mortgages and may have been offered a standard Buy To Let product. They may have a current Buy To Let deal and need to change the mortgage because they do not wish to breach lender mortgage conditions.

They want to let the property, but not on long term 6 month tenancy agreements. They may also wish to use the property at times for their own use.

They appreciate there is a limitation on the number of lenders in this specialist market and the fact that many do not openly advertise their available products to customers or brokers. They understand that many lenders offering holiday lets have restrictions on the period of let and have stringent requirements on both rental and earned income. They may also have encountered difficulties with the loan to value.

Clients using our service, often tell us of additional problems when they want to use the property as their own second home and they wish to secure the mortgage on residential and not commercial rates. They are often unsure where to start and want guidance to obtain the best available rates in the market and also to ensure they do not fall foul of the lenders conditions or invalidate the property insurance when let to holidaymakers. They may have spoken to other people before making contact.

     We are now on our second mortgage with Capital Fortune and recommend them to friends and family EHB, London

As a comprehensive panel of lenders broker in this area, we know our lenders and criteria and understand the ambiguities and difficulties in this area of lending. We regularly assist clients in similar situations, with mainstream and complex holiday let finance and we are UK specialists in holiday let mortgages. Our Advisers will take you through all the options available and all relevant fee structures. You can then decide. You can call us on our national number or a request a call back online, using the general enquiry form or call back request.

     It was quite an easy decision to make.the run of the mill mortgage brokers really werent going to be able to help me on this one. I would recommend Capital Fortune to any one asking and I do so too Joe Crosby, Golders Green

We have been voted the Overall Adviser of the Year for the largest UK mortgage and protection network, two years in a row and have recently won a national industry award for Excellence in Treating Customers Fairly. A number of our clients watched us on BBC TV Newsnight and supported our shortlist nomination for Best UK Mortgage Adviser at the prestigious Money Marketing Financial Services Awards 2011.

     They arranged a remortgage for us. which was unusual and certainly must have been difficult. It went through smoothly, more smoothly than any other mortgage Ive taken out RH, Stanmore

Clients making contact with us in similar situations, typically tell us of their frustration at the current restrictions on holiday let mortgages. They usually have an appropriate income and will receive additional supplementary holiday let earnings to support the mortgage. They usually have a healthy deposit for a purchase or significant equity for a remortgage. They do not understand why the vast majority of lenders will not consider their individual circumstances or why they have been advised to obtain a standard buy to let mortgage, when such mortgages require the property to be let on a minimum of 6 month tenancy agreements.

Holiday let mortgages can be complex given the differences between lenders on period of occupation, location, loan to value and rates. We have successfully placed clients with the same issues. These applications require a greater degree of negotiation with the lenders, the underwriters, their panel surveyors and valuers. Our relationships with specialist finance providers and Banks, allow us to discuss your case with them directly saving you time, money and disappointment. We will immediately know which lenders are likely to accept your needs and requirements and which providers will agree our application. To discuss all the options on holiday let mortgages, simply call us or request a call back online, whatever suits you best.

     Capital Fortune are a blessing..I feel like Ive got the best rate on the market and a very personable and friendly service Reuben, South London, SE27

For assistance on our Holiday let mortgages, call us today on 020 77 100 400 or Enquiry Online .

Mortgages Holiday Buy To Let

Mortgages Holiday Buy To Let - Mortgages holiday buy to let refers to mortgages for holiday properties that are subsequently let out. Mortgages holiday buy to let packages vary from typical buy to let packages due to the minimum letting time period each type of mortgage allows. Mortgages holiday buy to let deals enable property to be let out for shorter periods of time, sometimes as short as one day. There are more risks associated with mortgages holiday buy to let as these properties can be difficult to occupy throughout the year, particularly during off-peak periods. Furthermore the wear and tear of holiday homes is greater than other buy to let properties due to the large number of people moving in and out over the year. Lenders offering mortgages holiday buy to let will calculate an applicant’s personal income along with the potential rental income of their property to ensure they will be able to afford repayments.

As a specialist mortgage broker we offer advice and assistance to those seeking the best mortgages. Holiday buy to let properties are a niche market dealt with by our specialist advisors. We offer a personalised service and will assess each applicant’s financial circumstances and commitments to ensure we find the most suitable mortgages for your holiday buy to let property. Our knowledge and links to a range of niche lenders can increase your chances of successfully obtaining holiday buy to let mortgages

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

Looking for the best mortgages? Holiday buy to let property can be purchased with the best mortgage rates. Contact a member of our advisory team today.

How to get in touch

Feefo logo

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