Key benefits
Airbnb and short-let income accepted
Specialist lenders who understand and accept income from Airbnb, Booking.com, and other short-let platforms.
Seasonal income assessed fairly
Annual projected income is used rather than a single monthly figure, lenders understand seasonal demand patterns.
Personal use allowance considered
Most lenders allow 60–90 days of personal use per year, so you can enjoy your property too.
First-time holiday let investors welcome
New to holiday letting? We work with lenders who welcome first-time holiday let applications.
Remortgage and equity release
Refinance an existing holiday let to release equity or secure a better rate with a specialist lender.
Coastal, rural and urban properties
Properties in tourist hotspots, countryside retreats, and city-centre short-lets all considered.
How income is assessed
Holiday let income is calculated differently from BTL. Lenders use projected or actual occupancy rates (typically 70–80% target occupancy) rather than a single annual tenancy.
Historical Airbnb booking data or a professional letting agent's rental assessment is typically required. This approach often results in a higher income figure than a standard long-term tenancy, supporting a larger mortgage.
What you need
- Property details and location
- Historic rental income if existing (Airbnb data, booking records)
- Projected rental income from a holiday let agent if new purchase
- Personal income details
- Director details
Important: Holiday let mortgages are secured against property. Rental income from short-term lets can be variable and is not guaranteed. Ensure you understand the seasonal nature of holiday letting income before committing. Failure to meet repayment terms could result in repossession.
Frequently asked questions
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