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Holiday Lets/Second Homes

A home away from home

Many people love the idea of owning a second home or holiday let that they can both enjoy as well as let out as an investment. However, mortgaging on this basis isn’t always straightforward as lending can be based on seasonal rents and other factors can be taken into consideration.

Holiday or second home

As part of our review, we would look to establish what your intentions are with the property as if you have no intentions to let the property it would normally be classed as a second residential mortgage.

Alternatively, if you’re opting for a holiday let then lenders will apply varying policies to determine how much you can borrow, such as looking at the peak and quieter periods of the year to establish an average rental income received.

At Helix, we will review all available options and provide a tailored solution based on your circumstances.

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David Turner is the best broker I have worked with. He knows my personal situation and really helped to get everything sorted whilst I was out of the country for work. He chased the lender, solicitor and me to get it all done. He makes it all go smoothly and effortlessly, I would not have been able to do it without it. Fantastic job!

Karin Heijink

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