Mortgage guide
Mortgages for Holiday Lets Near Brighton
Brighton and the surrounding coastal areas are widely regarded as strong locations for holiday let investment, supported by consistent leisure demand, excellent transport links, and year-round visitor appeal. As a result, the area performs well with holiday let mortgage lenders and offers a broad range of funding options.
- Published
- 13 Apr 2026
- Last reviewed
- 13 Apr 2026
- Reading time
- 3 min
Mortgages for Holiday Lets Near Brighton
Brighton and the surrounding coastal areas are widely regarded as strong locations for holiday let investment, supported by consistent leisure demand, excellent transport links, and year-round visitor appeal. As a result, the area performs well with holiday let mortgage lenders and offers a broad range of funding options.
Brighton benefits from a unique mix of seaside tourism, cultural events, short-break city travel, and weekend demand from London, making it particularly attractive for short-stay holiday accommodation rather than long-term corporate lets.
Why Brighton Works Well for Holiday Lets
Lenders look closely at location and demand when underwriting holiday let mortgages, and Brighton scores highly across all key metrics:
- Strong year-round leisure demand
- Proximity to London (under 1 hour by train)
- Established short-stay tourism market
- Events, festivals, nightlife, and coastal attractions
- High demand for weekend and short breaks
Popular holiday let areas include Brighton seafront, The Lanes, Kemptown, Hove, Rottingdean, and surrounding Sussex coastal towns.
Mortgage Availability
Holiday let mortgages near Brighton are widely available for:
- Personal borrowers
- Limited companies (SPVs)
- UK expats
Most competitive products are typically available at 75% loan-to-value (LTV), with some lenders offering up to 80% LTV subject to underwriting and affordability.
Affordability is assessed using holiday let income projections, rather than standard buy-to-let rental assumptions.
Holiday Let Income Projections (L-M-H)
For Brighton holiday lets, lenders will usually rely on Low-Medium-High (L-M-H) income projections prepared by a recognised holiday letting agent.
LMH projections can be obtained easily from providers such as Sykes Holiday Cottages, who assess:
- Comparable holiday let performance
- Seasonal demand patterns
- Achievable nightly and weekly rates
These projections are then stress tested by lenders to confirm affordability.
Lending Confidence in the Area
Because Brighton is a proven and established holiday destination, lenders are generally comfortable with:
- Short-stay leisure demand
- Weekend-led occupancy patterns
Non-corporate holiday use
This makes Brighton one of the stronger coastal locations for holiday let mortgage approval compared to emerging or unproven markets.
Mortgage repayment calculator
Holiday let mortgage criteria
For context, these are the wider product terms covered by this guide. Availability and eligibility depend on your circumstances and the lender.
| Criteria | Detail |
|---|---|
| Max LTV | 80% |
| Minimum loan | None |
| Maximum applicants | None |
| Non-Homeowners | Acceptable |
| Occupancy restrictions | Acceptable |
| Below market value | Acceptable |
| Day one re-mortgage | Acceptable |
| Expats | Yes |
| Foreign nationals | Yes |
| Locations | England, Wales, Scotland and Northern Ireland |
For context, these are the wider product terms covered by this guide. Availability and eligibility depend on your circumstances and the lender.
| Feature | Detail |
|---|---|
| Loan to Value (LTV): | Up to 75% |
| Interest Rate: | Fixed at 4.75% for 5 years |
| Product Fee: | £995 |
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Frequently asked questions
How has the end of FHL tax rules affected holiday lets?
The furnished holiday lettings (FHL) tax regime was abolished from 6 April 2025 for Income Tax and Capital Gains Tax, and from 1 April 2025 for Corporation Tax, so holiday lets are now taxed like other residential lettings. Individual landlords receive only a basic-rate tax reduction for mortgage interest on them, and the capital allowances and capital gains reliefs that applied to furnished holiday lettings have been withdrawn, with transitional rules (GOV.UK: abolition of the furnished holiday lettings tax regime). Holiday let mortgages are still available.
Can you get a mortgage on a house near a pub?
Yes. A house near a pub can usually be mortgaged in the UK; lenders and valuers may take account of noise, late opening hours and licensing conditions, but being close to a pub does not by itself prevent a mortgage.
What is a holiday let mortgage?
A holiday let mortgage is a specialist mortgage for properties rented short term to holidaymakers. It differs from residential and buy-to-let mortgages by assessing affordability on projected holiday income, applying seasonal stress testing, typically requiring higher deposits, and allowing limited personal use only where lender criteria permit.
Can I get a mortgage on a holiday park?
Yes. Commercial lenders fund static caravan holiday parks. They underwrite the pitch-fee income as the sustainable core and unit sales more cautiously, and they read the caravan site licence and the planning conditions on density, season and holiday occupancy. Scale, management and licence compliance drive lender appetite.
Can you get a mortgage for a holiday home?
Yes, you can get a mortgage for a holiday home, but the type depends on how the property is used. Personal-use holiday homes require a second-home residential mortgage, while properties let to holidaymakers need a holiday let mortgage assessed on projected short-term income, with personal use limited by lender rules.
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