regulatory notice

Expat Holiday Let Mortgages

Expat Holiday Let Mortgages for UK property are now available. Whether you are looking to buy an Airbnb property to rent out as a holiday let or privately advertise for holiday rentals and to use when not rented and you are visiting the UK.

Holiday lets are a great way to maximise income from property and now we have a panel of lenders who will look at the income potential from holiday lets, Airbnb etc rather than just the deposit and your income alone.

holiday let mortgages for expats

How To Get A Holiday Let Property Mortgage As An Expat

Expat mortgages for holiday lets is still a highly specialised lending field, although we have the expertise to guide you through the process and present your case to an appropriate panel of lenders.

Firstly, as expert brokers for Expat Mortgages, we have access to the largest panel of lenders for expat mortgages on UK holiday lets property. Firstly, this is an offer for existing property owners in the UK, looking to acquire an additional property to be used as a holiday let and not suitable for first time buyers. As for all our mortgages, this is an offer for British Expats worldwide buying UK property.

Holiday Lets Terms Mortgages and Remortgages

Holiday Let Mortgages for Expats available may have very specialised terms, however do Contact Us or Request A Quote as each case is different and our panel of lenders will look at each requirement on an individual basis. A summary of some of the broader terms are as below.

  • Applicant must be an Expat with a British Passport, where a joint application, 1 applicant must have a British passport.
  • First Time Buyers are welcome.
  • Maximum loan to value may be up to 80%
  • Loan To Value Maximums are based upon 30 week occupancy rates
  • Property must be in England, Wales or Scotland.
  • Maximum number of Holiday Lets 3 per applicant.
  • Minimum Applicant Income is not always a requirement in certain circumstances
  • Interest Only and Repayment Mortgage Options
  • Minimum Property Value Only £75,000
  • Not suitable for holiday parks or mobile style holiday homes.
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