With staycations on the rise, the future potential of the UK’s expanding holiday home market is becoming popular. Our holiday let mortgages are designed for properties that will be let out on a short-term basis. Built on an understanding of the market, we offer finance aimed at investors looking to buy and develop UK holiday lettings properties.

Key features

equity release

Equity release for purchase and refinance

No valuation fee

No valuation fee payable until loan is approved


Interest-only options available


Available in England, Scotland & Wales

Lending criteria

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Up to 70% LTV of an independent professional valuation

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Minimum loan £250k

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No minimum earned income required, however, resilience to loan repayments must be demonstrated

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Corporate borrowers must be registered in the UK or Crown dependencies

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Only available to experienced property investors

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Up to £15m borrowings per customer with no restriction on property numbers

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Personal guarantees requested from business owners/directors but are not always mandatory

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For borrowing in personal name(s),individual must be a UK resident

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Secured by way of a first legal charge on a property located in England, Scotland or Wales

Commercial (C1 planning)

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Terms 12 months to 25 years dependent upon the repayment type

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Available for properties such as holiday villages, holiday parks, complexes and owner occupier with C1 planning permissions

Residential (C3 planning)

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Terms 12 months to 30 years dependent upon the repayment type

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Available for single self-contained properties only, with no restrictive covenants regarding occupancy in place

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The property must be capable of being let on an AST basis and have an acceptable level of rental demand

Our funding solutions

Commercial property

Residential property

Mixed-used property

Haven’t quite found what you’re looking for?

Get in touch with our experienced team or take a look at our Useful documents and FAQs page.

Call us on:

0116 402 9194

email us at:
Find us at:

Cambridge & Counties Bank
Charnwood Court
5B New Walk
Leicester LE1 6TE

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Cambridge & Counties Bank Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under firm registration number 579415. Our authorisation can be checked at the Financial Services Register at www.fca.org.uk.

Cambridge & Counties Bank Ltd Registered Office: Charnwood Court, 5b New Walk, Leicester England, LE1 6TE. Registered in England and Wales No. 07972522.

VAT Registration Number GB 208354420.