⭐ 5★ Google Reviews ✅ 30+ years’ experience 🏡 Holiday Let Mortgage Specialist
HOLIDAY LET MORTGAGES FOR PROPERTY INVESTORS
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STRUGGLING TO GET A HOLIDAY LET MORTGAGE APPROVED?
If you’ve been declined, restricted, or told “it doesn’t fit criteria” — you’re not alone.
Most holiday let investors come to me after hitting these problems:
❌ BORROWING LOWER THAN EXPECTED
Lenders not using your holiday let income properly
❌ DECLINED APPLICATIONS
Even with strong rental potential
❌ CONFUSING ADVICE
Different lenders, different answers
❌ AFFORDABILITY ISSUES
Seasonal income causing problems
❌ TREATED LIKE BUY-TO-LET
When holiday lets are assessed differently
⚠️ MOST PEOPLE DON’T REALISE:
Many lenders don’t fully understand holiday lets.
If your case isn’t structured properly, you’ll either borrow less — or get declined.
The right lender can be the difference between being declined… and getting approved.
BEEN RESTRICTED OR DECLINED — EVEN WITH STRONG HOLIDAY LET INCOME?
If your borrowing feels lower than it should be — you’re not alone.
Many holiday let investors experience this, even when their property has strong rental potential.
Many are told:
❌ Holiday let income can’t be fully used
❌ Rental figures are “too variable”
❌ Affordability doesn’t meet criteria
❌ It doesn’t fit standard lending rules
👉 Even when your holiday let performs well — which can be frustrating when you know the numbers stack up.
Most lenders don’t assess holiday let income correctly — especially high street lenders.
👉 It’s not just the income you generate
👉 It’s how that income is assessed
👉 You may be restricted unnecessarily
👉 You could be declined when you shouldn’t be
👉 You may be approved for less than your property could realistically support
BUT THIS CAN CHANGE
✔ Holiday let income can be used properly
✔ The right lender will assess your case differently
✔ Your borrowing can increase — sometimes significantly
If this sounds familiar, the next step is simply to see what’s actually possible for you.
HOW I HELP YOU GET APPROVED — EVEN WHEN OTHERS CAN’T
The difference isn’t your holiday let income — it’s how it’s assessed and presented to lenders.
Here’s how I help you get approved:
✔️ I STRUCTURE YOUR HOLIDAY LET INCOME CORRECTLY
So lenders can properly assess your projected rental income — not dismiss it as too variable
✔️ I MATCH YOU WITH THE RIGHT LENDERS
Specialist lenders who understand holiday lets, Airbnb, and short-term rental income
✔️ I PRESENT YOUR CASE PROPERLY
So underwriters clearly see your property’s income potential — reducing delays, queries, or declines
✔️ I HELP YOU BORROW MORE — NOT LESS
By focusing on what your holiday let can achieve — not what standard lenders restrict you to
This is why many holiday let investors get approved — even after being restricted or declined elsewhere.
WHY HOLIDAY LET INVESTORS GET APPROVED — EVEN WHEN OTHERS CAN’T
Lyndsey Rowe
Mortgage & Protection Adviser
CeMAP & CeRER Qualified
30+ Years’ Experience
SPECIALIST HOLIDAY LET MORTGAGE ADVICE — HELPING YOU BORROW MORE AND GET APPROVED
✅ Access to 170+ lenders
👉 So you’re not limited to a small panel — giving you more options and a higher chance of approval
✅ Specialist in holiday let mortgages
👉 Access to lenders who understand holiday lets, Airbnb, and short-term rental income
✅ One-to-one service throughout
👉 So you get clear, consistent advice — without confusion or delays
✅ 30+ years’ experience
👉 So you can move forward with confidence, knowing your case is handled properly
You only need one lender to say yes — but it has to be the right one.
✔️ No obligation • ✔️ Speak directly to a specialist
HOW HOLIDAY LET INVESTORS GET APPROVED — EVEN WHEN OTHERS CAN’T
✅ 1. DECLINED ELSEWHERE — APPROVED WITH THE RIGHT LENDER
A client was declined by their bank despite strong holiday let income and demand.
The lender didn’t properly assess the projected rental income.
👉 By structuring the case correctly and using the right lender:: Approved after being declined
✅ 2. BORROWED MORE — USING HOLIDAY LET INCOME CORRECTLY
A client was told they could borrow far less than expected.
Their holiday let income was either reduced or not fully used.
👉 By using a lender that correctly assessed the holiday let income: Borrowing increased significantly
✅ 3. STRONG RENTAL INCOME — BUT RESTRICTED BY LENDER
A client had a high-performing holiday let but was restricted by standard affordability rules.
Most lenders treated it like a standard buy-to-let.
👉 By using the right lender: Maximum borrowing unlocked
The difference isn’t the property — it’s how the income is assessed.
A SIMPLE, CLEAR PATH TO GETTING YOUR HOLIDAY LET MORTGAGE APPROVED
A simple, structured approach — designed to get you approved and moving forward
📞 STEP 1: DISCOVERY CALL
We understand your holiday let plans, income, and property potential
So we can identify what’s realistically possible for you
🔍 STEP 2: RIGHT LENDER STRATEGY
We match you with lenders who understand holiday lets and short-term rental income
Helping you avoid restrictions and maximise your borrowing
📄 STEP 3: STRUCTURED APPLICATION
Your case is packaged and presented correctly from the start
Reducing delays and improving your chances of approval
✅ STEP 4: FULL SUPPORT TO COMPLETION
We manage the process from application through to offer and completion
So you can move forward with confidence — without the stress
👉 You only need one lender to say yes — but it has to be the right one.
FIND OUT WHAT YOU COULD BORROW FOR YOUR HOLIDAY LET — BEFORE YOU APPLY
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