---
title: "Buy to Let Mortgages Holiday Lets"
description: "Certain holiday let properties can be financed using buy-to-let (BTL) mortgage products, provided the property and its use meet lender criteria. This route can offer higher leverage and competitive pricing in the right circumstances."
url: "https://mortgagelane.com/guides/holiday-let-mortgage-guide/buy-to-let-mortgages-holiday-lets"
site: "Mortgage Lane"
collection: "guides"
date: "2026-04-13"
author: "Joseph Lane"
category: "Mortgage guide"
reviewed: "2026-04-13"
reading_time: "2 min"
byline: "Joseph Lane"
author_credentials: "CeMAP · FCA authorised firm"
language: "en-GB"
robots: "index,follow"
---

# Buy to Let Mortgages Holiday Lets

Certain holiday let properties can be financed using buy-to-let (BTL) mortgage products, provided the property and its use meet lender criteria. This route can offer higher leverage and competitive pricing in the right circumstances.

Certain holiday let properties can be financed using buy-to-let (BTL) mortgage products, provided the property and its use meet lender criteria. This route can offer higher leverage and competitive pricing in the right circumstances.

[Holiday let mortgage](https://mortgagelane.com/definitions?term=holiday-let-mortgage)

Buy-to-let

Specialist finance for property let short-term to holidaymakers rather than to long-term tenants, structured around seasonal and nightly income and priced in a different risk category to standard buy-to-let.

[Read the full definition of Holiday let mortgage](https://mortgagelane.com/definitions?term=holiday-let-mortgage)

Back to overview

[Holiday Let Mortgage Guide](https://mortgagelane.com/guides/holiday-let-mortgage-guide)

Related definitions

[Buy-to-let mortgage](https://mortgagelane.com/definitions#def-buy-to-let-mortgage)

·

[Loan-to-value (LTV)](https://mortgagelane.com/definitions#def-loan-to-value)

## Buy to Let Mortgages Holiday Lets

### Buy-to-Let Mortgages for Holiday Lets

Certain holiday let properties can be financed using buy-to-let (BTL) mortgage products, provided the property and its use meet lender criteria. This route can offer higher leverage and competitive pricing in the right circumstances.

### Loan-to-Value (LTV)

Buy-to-let mortgages used for holiday let purposes are available at up to 80% loan-to-value (LTV) with selected lenders. These products are available across a wide borrower base, including:

- Personal borrowers
- Limited companies (SPVs)
- UK expats

As with all holiday let lending, the highest LTV options are subject to tighter underwriting and strong income projections.

### Occupancy Restrictions

Some buy-to-let lenders will accept properties with occupancy restrictions, provided those restrictions are holiday let-related only. Typical acceptable wording may restrict:

- Use to short-term holiday accommodation
- Occupation as a sole or main residence

Restrictions that go beyond holiday use or materially limit marketability may still require specialist holiday let or commercial lending.

### Suitability and Underwriting

Buy-to-let holiday let mortgages are most suitable where:

- The property is residential in nature
- Planning use aligns with holiday letting
- There is clear leisure demand
- The restriction (if present) is limited to holiday use only

Affordability is still assessed using holiday let income projections rather than standard AST rental assumptions.

## Talk it through with an adviser

Speak to a Mortgage Lane adviser about your circumstances and the next steps.

Published: 2026-04-13

Last reviewed: 2026-04-13

Source: https://mortgagelane.com/guides/holiday-let-mortgage-guide/buy-to-let-mortgages-holiday-lets