Holiday Let Mortgages Scotland

Scotland’s strong and diverse tourism market, from the Isle of Skye to St Andrews, continues to drive demand for well-structured holiday let finance. This sustained visitor appeal makes Scotland an attractive, but specialist, market for holiday let mortgages. A buyer who already owns a home normally pays the 8% Additional Dwelling Supplement on a holiday let, covered on our mortgages in Scotland page.

We provide expert support with holiday let mortgages across Scotland, assisting property investors, second-home buyers, expats, retirees, and first-time holiday let operators. Our advice covers both residential holiday let mortgages and commercial lending solutions, ensuring the funding matches the property type, location, and intended use.

We regularly arrange finance for holiday lets across key Scottish markets, including Skye, St Andrews, Fife, Perth and Perthshire, Ballater, Arran, and Dunoon. This includes a wide range of property types, from traditional cottages and coastal homes to lodges, cabins, glamping sites, and more remote rural holiday lets.

Scotland also presents unique considerations around planning, licensing, and occupancy requirements, as well as differing lender appetite compared to England. We guide clients through these nuances, advising on deposits, affordability based on holiday let income, valuation methods, and the most appropriate lender route, whether mainstream, specialist, or commercial.

By operating on a whole-of-market basis, we are able to source competitive and compliant holiday let mortgage solutions throughout Scotland, ensuring the finance supports both the investment strategy and long-term operation of the property.