To 85% Loan to Value

No Minimum Income

No Experience Needed

Mixed Holiday Let & Personal Use

Properties with Restrictions Considered


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Holiday Let Mortgages

Holiday let mortgages can be a complex area of finance given the differences between lenders on period of occupation, location, loan to value and rates. Typically, clients we successfully assist tell us of their difficulty they have in arranging competitive residential holiday let mortgages. Some advise they have been offered standard Buy To Let products despite the conditions on Buy To Let mortgages, preventing holiday lettings. Some contact us with a current Buy To Let deal and need to change the mortgage because they do not wish to breach lender mortgage conditions. Generally our clients want to let the property for a week or a fortnight at a time, but not on long term standard 6 month tenancy agreements. They may also sometimes wish to use the property at times for their own use.

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

We regularly place clients with these issues. Holiday let applications do often require a greater degree of negotiation with national lenders, the underwriters, their panel surveyors and property valuers. Clients appreciate there is a limitation on the number of lenders in this specialist market and the understand the fact that many do not openly advertise their available products direct to customers. They appreciate that many lenders offering mortgages on holiday let properties have a significant number of restrictions, not only on the letting period, but also have stringent requirements on both the rental achievable and/or the client's own earned income.  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 to undertake a re-mortgage. They do not understand why the vast majority of lenders will not consider their individual circumstances or why they have been inappropriately advised to obtain a standard buy to let mortgage, when such mortgages require the property to be let on a minimum 6 month tenancy agreement.

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 lending criteria. Importantly, we understand the ambiguities and difficulties in this area of UK lending. We regularly assist clients with mainstream and complex holiday let finance and we are the UK specialists in holiday let mortgages. 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.

     It was quite an easy decision to make….the run of the mill mortgage brokers really were not 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.

Our Advisers will take you through all the options available and all the 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.   

 They arranged a re-mortgage for us…. which was unusual and certainly must have been difficult. It went through smoothly, more smoothly than any other mortgage I've taken out RH, Stanmore

     Capital Fortune are a blessing...I feel like I’ve 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 on 020 3 216 2037 or complete our online enquiry form.

STEP 1: Online Enquiry

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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.

For /
Fixed Lender
% Lender
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