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

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Fixed & variable rate options available (depending on the term)

equity release

Equity release for purchase and refinance

No valuation fee

No valuation fee payable until loan is approved


Interest-only options available


Lending available in England, Scotland & Wales

Commercial loan interest rate options

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Variable rate:
Terms from 12 months to 25 years

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Fixed rate:
Terms of 3 or 5 years

Lending criteria

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Up to 70% LTV of an independent professional valuation

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Minimum loan £250k in England and Wales

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Minimum loan £500k in Scotland

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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 25 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

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    0344 225 3939

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    0116 254 4637

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

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