Harpenden BS: Holiday Lets – 2.89% / 3.39% – 75% / 80% LTVs

Holiday Let
•    Loans up to £2m available
•    90 days personal usage allowance per annum
•    Airbnb acceptable
•    City break lets acceptable
•    Personal income used if required to support the loan
•    Minimum income of £30,000 required
•    Up to 3 properties on one title considered
•    75% LTV available on IO and 80% available on repayment

Holiday Home/Second Home 
•    Pension, trust, investment and maintenance income acceptable as well as 100% of bonuses, overtime and commission (2 years proof required)
•    1 year accounts acceptable
•    No maximum age
•    Loans up to £2m available
•    75% LTV available on IO and 80% available on repayment

We have the expertise and experience to specialise in managing complex cases – delivering specialist solutions for brokers.  Every policy is underwritten manually by an expert, which enables us to create highly flexible solutions to complex mortgages. We consider many forms of complex income, including pension, trust income, maintenance and investment as well as standard employed and self-employed.

In our experience, holiday let purchases are often made by customers with multiple forms of income from a range of financial sources. Mortgage applications assessed by a mainstream retail lender can’t always accommodate customers with a complex income and can be rejected by algorithms.

We believe a specialist lender like ourselves, experienced in this area, are best suited to dealing with the unique aspects of buying a holiday let.  You can view all of our products and lending criteria on our website.

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