UK’s Leading Holiday Let Mortgage Brokers – Fox Davidson
Fox Davidson is a trusted holiday let mortgage broker in the UK, helping investors and homeowners secure holiday let mortgages for short-term rental properties. With the UK’s holiday rental market booming—19% of households rent privately and staycations driving £15bn in revenue (VisitBritain, 2024)—holiday lets offer yields of 6–10% compared to 5.7% for standard buy-to-let (Land Registry, 2024). Whether you’re buying a Cornwall cottage, a Lake District lodge, or a Norfolk Airbnb, our award-winning brokerage accesses 100+ specialist lenders to deliver competitive rates and navigate complex regulations. Since 2013, we’ve secured millions in funding for holiday let investors.
Why choose Fox Davidson as your holiday let mortgage broker in the UK?
Rapid decisions, often within 24–48 hours, for fast-moving markets.
Access to 100+ specialist lenders, including specialist holiday let lenders and private banks.
Competitive rates from across the market.
Expertise in HMRC furnished holiday let rules and local council regulations.
Airbnb mortgage specialists
Free initial consultation.
📞 Call for immediate expert advice
📧 Email with an outline of your requirements
Why Invest in Holiday Lets in the UK?
The UK’s holiday let market is thriving, driven by staycation demand and platforms like Airbnb and Booking.com. Key highlights:
- High Yields: Holiday lets yield 6–10% in tourist hotspots like Cornwall, Lake District, and Cotswolds (VisitBritain, 2024).
- Market Growth: Private rental demand is projected to rise 15% by 2030 (ONS, 2024).
- Property Appreciation: UK property prices grew 4.3% annually (Land Registry, 2024).
- Tax Benefits: Furnished holiday lets offer mortgage interest relief and capital allowances (pre-April 2025 changes).
A holiday let mortgage unlocks these opportunities, but high street banks often impose strict criteria. Fox Davidson’s expertise ensures you secure the best deal.
What is a Holiday Let Mortgage?
A holiday let mortgage is a specialised buy-to-let loan for properties rented short-term (days/weeks) to holidaymakers, requiring unique lender criteria compared to standard buy-to-let or residential mortgages. Lenders assess seasonal rental income (assuming ~30 weeks occupancy) and require HMRC furnished holiday let status (210 days available, 105 days let). As expert mortgage brokers for holiday lets in the UK, we source deals from high-street banks, building societies, and specialist lenders, offering up to 75% LTV and market leading rates.
Key benefits of holiday let mortgages in the UK:
- Achieve yields of 6–10% in popular destinations.
- Finance properties (£200k–£10m+) in Cornwall, Norfolk, or Yorkshire.
- Allow personal use up to 90 days/year with some lenders.
- Specialist product for short term letting in the UK
How to Get a Holiday Let Mortgage with Fox Davidson. Our 4-step process simplifies financing:
- Free Consultation
Discuss your holiday let project, from a Cotswolds cottage to a Brighton Airbnb.
- Property and Income Assessment
Review rental projections, location demand, and personal income for lender matching.
- Specialist Lender Matching
Source from 100+ lenders within 24–48 hours, securing decisions in principle.
- Application and Approval
Manage paperwork, valuations, and approvals for 6–12 week completions.
Requirements:
- Deposit: 25–40% (£50k–£80k for £200k–£300k properties).
- Rental coverage: 125–145% of mortgage payments (e.g. £1,000 mortgage needs £1,250–£1,450 rent).
- HMRC furnished holiday let status (210 days available, 105 days let).
Holiday Let Mortgage Options Across the UK
We offer tailored solutions:
- Standard Holiday Let Mortgages: Up to 75% LTV for properties in Cornwall to the Lake District.
- Buy-to-Let Holiday Lets: For Airbnb or Booking.com rentals, leveraging 6–10% yields.
- Interest-Only Mortgages: Reduce payments for cashflow flexibility.
- Limited Company Mortgages: For tax-efficient holiday let investments.
- Holiday Home Mortgages: For mixed personal and rental use.
Tax and Regulatory Considerations
Furnished holiday lets offer tax benefits (pre-April 2025):
- Mortgage Interest Relief: Deduct as a business expense at marginal tax rates.
- Capital Allowances: Claim on furniture and equipment.
- Capital Gains Tax: More favorable than standard buy-to-let.
Post-April 2025, tax relief aligns with buy-to-let, limiting interest deductions to 20%. We do not provide tax advice, Fox Davidson connects you with tax advisors to plan ahead.
Regulatory Requirements:
- Available for rent 210 days/year, let for 105 days.
- Fully furnished with amenities (e.g., wifi, linens).
- Compliance with local council health and safety rules.
Success Stories: Holiday Let Mortgages Across the UK
- Cornwall Cottage: Secured a £300k mortgage, 75% LTV, yielding 8% for an Airbnb let.
- Lake District Lodge: Funded a £500k holiday let, 70% LTV, completed in 8 weeks (March 2025).
- Norfolk Buy-to-Let: Arranged a £250k limited company mortgage, 7% yield.
Why Choose Fox Davidson as Your Holiday Let Mortgage Broker?
- Holiday Let Expertise: Deep knowledge of HMRC rules and local regulations.
- Lender Relationships: 100+ partners, including specialist holiday let lenders
- Proven Track Record: Millions secured since 2013.
- Award-Winning Service: FCA-regulated, 5-star reviews.
- Free Consultations: Expert short term let mortgage advice
Meet our holiday let mortgage advisors.
Frequently Asked Questions (FAQs) on Holiday Let Mortgages in the UK
25–40% (£50k–£80k for £200k–£300k properties), with lower deposits for high-yield locations.
Yes, up to 90 days/year with some lenders, maintaining furnished holiday let status.
1–2% higher than standard buy-to-let due to seasonal income.
Cornwall, Lake District, Cotswolds, and Norfolk offer 6–10% yields.
Yes, with specialist lenders for tax-efficient structures.
6–12 weeks, with decisions in 24–48 hours for urgent deals.
Yes, we can refinance on to a buy to let mortgage.
Email enquiry@foxdavidson.co.uk for more answers.
Secure Your Holiday Let Mortgage in the UK Today
Ready to invest in a high-yield holiday let? Fox Davidson’s holiday let mortgage brokers deliver tailored solutions for properties across the UK. 📞 Call for immediate expert advice. 💻 Complete our enquiry form or 📧 Email an outline of your requirements
