Holiday Let Mortgages England

England offers the widest range of holiday let mortgage options anywhere in the UK, with more lenders, products, and competitive rates available than in Scotland, Wales, or Northern Ireland. This depth of lender appetite is driven by England’s diverse and well-established tourism markets.

Popular holiday let hotspots include Cornwall, the Lake District, the Cotswolds, Norfolk, Devon, and strong short-stay city locations such as Brighton and select areas of London.

Holiday let mortgages in England are typically available at up to 75% LTV, where rates are most competitive, with up to 80% LTV available from selected lenders in stronger cases. Affordability is assessed on projected holiday let income, not long-term AST rent, and lending is available to personal borrowers, limited companies, expats, and first-time holiday let buyers.

Properties with holiday-only occupancy restrictions are commonly accepted by specialist lenders, and more complex assets can be financed through commercial holiday let mortgage options.

England remains the most flexible and lender-supported market for holiday let mortgages, offering the broadest choice of funding solutions for investors.