Holiday let mortgages are a smaller, more specialist corner of the market than standard buy-to-let, which is exactly why it helps to work with someone who places them regularly. I compare mortgages across 120+ lenders, including specialist holiday let lenders, and we’ll be straight with you about what’s realistic for your property and area.
HTG Mortgages
Holiday Let Mortgages
Last Updated: August 2026
Featured in The Telegraph • Daily Mail • The Times • Sky News
Holiday let mortgages are assessed differently to standard buy-to-let, and the New Forest, Dorset and the wider south coast are some of the strongest holiday letting markets in the country. Most lenders will consider these, though it’s a more specialist area than standard buy-to-let, and can also be held through a limited company. Where you already have a letting track record, we can put your actual figures in front of a lender rather than relying on a projection.
Holiday let mortgages assessed on your actual rental income where you already have a letting history
Available as a personal purchase or through a limited company
Speak directly to Harry, not a call centre, no passing you around
As featured in…
Meet your Advisor
Harry Goodliffe
- FCA Authorised
- Director & Mortgage Advisor
“I‘m not about confusing jargon or passing you from person to person. From our first chat to the day you get the keys, you’ll deal directly with me. I‘ll keep you updated, answer any burning questions, and do everything I can to make the whole process as stress-free as possible.”
Let’s Talk About Your Mortgage
The holiday let mortgage process
1
Step 1
First Chat
Contact us for a straightforward chat about the property, the area, and whether you have an existing letting track record or actual rental figures.
2
Step 2
Research
We’ll match your property, area and letting income, actual or projected, against lender criteria to find realistic options before anyone runs a hard search.
3
Step 3
Application
Once you’ve chosen a mortgage, we’ll handle the application process, liaising with the lender on your behalf.
4
Step 4
Completion
After approval, we’ll ensure a smooth transition to your new mortgage, keeping you informed at every step.
About
Our approach.
Why choose HTG Mortgages?
Holiday let income works differently to a standard tenancy, and lenders vary widely in how they assess it. Here’s what matters most:
Actual figures where you have them.
If you already let the property, we can use your real rental income rather than relying purely on a letting agent’s projection, which is often the only option new buyers have.
A more specialist market than standard buy-to-let.
Most lenders will consider holiday let mortgages, but it’s a smaller, more specialist part of the market than standard buy-to-let, with fewer lenders and typically slightly higher rates to reflect the seasonal nature of the income.
The New Forest, Dorset and the wider south coast.
This is one of the strongest holiday letting areas in the country, and it’s the patch we know best. Lenders generally stress-test rental income to make sure it comfortably covers the mortgage payment with a safety margin, since holiday income fluctuates through the year in a way standard tenancy income doesn’t.
Personal name or limited company.
A holiday let can be bought personally or through a limited company, and which route suits you depends on your wider tax and ownership position. We’ll talk through the mortgage side of both; for the tax side, that’s a conversation worth having with your accountant, particularly since the special tax treatment furnished holiday lets used to receive was removed from April 2025.
How HTG Mortgages Can Help
At HTG Mortgages, we build your application around your property and its letting history, not a generic buy-to-let form. As an independent, whole-of-market broker we place holiday let mortgages with specialist lenders across the New Forest, Dorset and the wider south coast. Here’s how we can assist you:
- Actual income where available: if you already let the property, we’ll present your real figures to lenders rather than relying only on a projection.
- Area knowledge: we know the New Forest, Dorset and south coast letting market, and which lenders are comfortable lending there.
- Personal or limited company: we’ll talk through both ownership routes on the mortgage side, and flag where a chat with your accountant on the tax side makes sense.
- Lender matching before you apply: we check your property and income against lender criteria first, so you’re not making a hard-search application to a lender who doesn’t do holiday let.
Who holiday let mortgages can help
Holiday let mortgages exist because seasonal rental income doesn’t fit a standard buy-to-let assessment. They could be the right route if:
- You’re buying or already own a holiday let in the New Forest, Dorset or along the south coast.
- You already let the property and have actual rental income to show, not just a projection.
- You’re considering buying through a limited company rather than personally.
- You’ve found standard buy-to-let lenders won’t consider a holiday let property.
- You’re remortgaging an existing holiday let and want to check you’re on a competitive deal.
Holiday let mortgages are assessed on your specific property and its earning pattern, not a generic postcode average. Getting this matched to the right lender from application makes a material difference to what you can borrow, wherever along the south coast you’re buying.
Why use HTG’s mortgage services?
Available 24/7, so we are always there to help when you need us
We are an independently owned, whole-of-market mortgage broker offering first-charge mortgages
We provide unrivalled customer service, ensuring that you get the care you deserve
Let’s get your mortgage sorted
Written by Harry Goodliffe
Director & Mortgage Adviser, HTG Mortgages · FCA Authorised (1017945)
CeMAP Qualified · Featured in National Press · South England Prestige Awards 2026/27 winner
Related reading: holiday let vs buy to let mortgages, what actually differs.