---
title: "Holiday Let Mortgage Pembrokeshire"
description: "Pembrokeshire is one of Wales’ strongest coastal markets for holiday let investment, underpinned by its national park status, dramatic coastline, and consistent tourist demand. With destinations such as Tenby, Saundersfoot, St Davids, and Broad Haven, the area attracts visitors throughout much of the year, making it highly suitable for short-term holiday accommodation."
url: "https://mortgagelane.com/guides/holiday-let-mortgages/pembrokeshire"
site: "Mortgage Lane"
collection: "guides"
date: "2026-08-04"
author: "Seren Norton"
category: "Mortgage guide"
reviewed: "2026-08-04"
reading_time: "2 min"
byline: "Seren Norton"
author_credentials: "CeMAP · FCA authorised firm"
language: "en-GB"
robots: "index,follow"
---

# Holiday Let Mortgage Pembrokeshire

Pembrokeshire is one of Wales’ strongest coastal markets for holiday let investment, underpinned by its national park status, dramatic coastline, and consistent tourist demand. With destinations such as Tenby, Saundersfoot, St Davids, and Broad Haven, the area attracts visitors throughout much of the year, making it highly suitable for short-term holiday accommodation.

Pembrokeshire is one of Wales’ strongest coastal markets for holiday let investment, underpinned by its national park status, dramatic coastline, and consistent tourist demand. With destinations such as Tenby, Saundersfoot, St Davids, and Broad Haven, the area attracts visitors throughout much of the year, making it highly suitable for short-term holiday accommodation.

[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 Mortgages](https://mortgagelane.com/mortgages/holiday-let-mortgages)

Related definitions

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

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

## Holiday Let Mortgage Pembrokeshire

Pembrokeshire is one of Wales’ strongest coastal markets for holiday let investment, underpinned by its national park status, dramatic coastline, and consistent tourist demand. With destinations such as Tenby, Saundersfoot, St Davids, and Broad Haven, the area attracts visitors throughout much of the year, making it highly suitable for short-term holiday accommodation.

From a lending perspective, Pembrokeshire performs well because demand for holiday lets is well established and easily evidenced. Lenders typically assess affordability using projected holiday let income, reflecting seasonal peaks driven by coastal tourism, school holidays, and outdoor attractions. This income-led approach aligns well with the region’s trading profile.

Holiday let mortgages in Pembrokeshire are commonly available at up to 75% LTV, where rates are most competitive, with up to 80% LTV possible in stronger cases. Lending is available to personal borrowers, limited companies, and expats, with no prior holiday let experience required for standard properties.

The county also features a wide mix of property types, from traditional coastal cottages to modern homes in seaside towns. While some properties may involve planning or occupancy considerations, specialist holiday let lenders active in Wales are familiar with these nuances and can accommodate them when structured correctly.

Pembrokeshire combines strong tourism fundamentals with solid lender appetite, making it one of the most attractive regions in Wales for holiday let mortgages. Investors who understand seasonal demand and work with specialist lenders are well placed to secure competitive, sustainable funding.

## Talk it through with an adviser

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

Published: 2026-08-04

Last reviewed: 2026-08-04

Source: https://mortgagelane.com/guides/holiday-let-mortgages/pembrokeshire