---
title: "Mixed use Holiday let Mortgage"
description: "A mixed-use holiday let mortgage is designed for properties that combine holiday let accommodation with commercial elements, or where part of the property is used for a different purpose alongside short-term letting. These mortgages sit between standard holiday let and full commercial lending and are arranged through commercial buy-to-let lenders or commercial mortgage lenders."
url: "https://mortgagelane.com/guides/holiday-let-mortgage-guide/mixed-use-holiday-let-mortgage"
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"
---

# Mixed use Holiday let Mortgage

A mixed-use holiday let mortgage is designed for properties that combine holiday let accommodation with commercial elements, or where part of the property is used for a different purpose alongside short-term letting. These mortgages sit between standard holiday let and full commercial lending and are arranged through commercial buy-to-let lenders or commercial mortgage lenders.

A mixed-use holiday let mortgage is designed for properties that combine holiday let accommodation with commercial elements, or where part of the property is used for a different purpose alongside short-term letting. These mortgages sit between standard holiday let and full commercial lending and are arranged through commercial buy-to-let lenders or commercial mortgage lenders.

[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

[Holiday let mortgage](https://mortgagelane.com/definitions#def-holiday-let-mortgage)

·

[Mortgage](https://mortgagelane.com/definitions#def-mortgage)

## Mixed use Holiday let Mortgage

### Mixed-Use Holiday Let Mortgage

A mixed-use holiday let mortgage is designed for properties that combine holiday let accommodation with commercial elements, or where part of the property is used for a different purpose alongside short-term letting. These mortgages sit between standard holiday let and full commercial lending and are arranged through commercial buy-to-let lenders or commercial mortgage lenders.

### Loan-to-Value (LTV)

Mixed-use holiday let mortgages are typically available at up to 75% loan-to-value (LTV). This reflects the additional complexity and risk associated with mixed-use assets compared to single-use residential properties.

### Experience and Borrower Criteria

Lenders are generally pragmatic in this space:

- No prior experience is required where the property comprises fewer than four holiday let units
- First-time buyers (FTBs) may be accepted on larger schemes, provided they can demonstrate a minimum personal income of £50,000

Applications are assessed on the overall strength of the property and income profile, rather than experience alone.

### Suitable Property Types

Mixed-use holiday let mortgages are suitable for a wide range of scenarios, including:

- A holiday let flat above a commercial unit (shop, café, or office)
- Properties with integrated commercial elements
- Small mixed-use holiday let schemes

These property types typically fall outside standard buy-to-let or residential holiday let criteria.

### Lending Route

Finance is arranged through:

- Commercial buy-to-let mortgage lenders, or
- Commercial mortgage lenders

Valuations and underwriting will reflect both the residential holiday let income and the commercial component.

## 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/mixed-use-holiday-let-mortgage