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Holiday Lets Finance

Holiday Property Investment Potential with Pathway Commercial Finance

Embark on Your Holiday Let Ownership Journey with Confidence

Embark on Your Holiday Let Ownership Journey with Confidence

At Pathway Commercial Finance, we specialise in providing tailored Holiday Let Finance solutions to help you seize the opportunities in the lucrative holiday property market. Whether you’re considering your first holiday let investment or seeking financing for portfolio expansion, our expert team is here to guide you every step of the way.

Understanding Holiday Let Mortgages

Holiday Let Mortgages are specifically designed for properties intended for short-term letting, offering unique financing solutions tailored to the demands of the holiday property industry. Unlike standard residential mortgages or buy-to-let loans, holiday let mortgages are structured to accommodate the dynamic nature of holiday property ownership and rental income.

Why Choose Holiday Let Mortgages?

Investing in holiday properties presents a wealth of opportunities, with the potential to generate significantly higher rental income compared to traditional buy-to-let investments. Furnished holiday lets benefit from favourable tax treatment and offer the flexibility to enjoy personal use of the property while maximising rental income during peak seasons.

Key Features of Holiday Let Mortgages:

  • Tailored financing for short-term holiday rental properties
  • Potential for higher rental income compared to standard buy-to-let properties
  • Tax advantages for furnished holiday lets
  • Flexibility to enjoy personal use of the property

Maximise Your Borrowing Potential

At Pathway Commercial Finance, we work with a panel of leading lenders who offer holiday let mortgages with loan-to-value ratios of up to 75% and loan amounts ranging from £50,000 to £1.5 million. Our team can help you assess your borrowing capacity based on expected rental income and guide you through the application process to secure the financing you need.

Navigating Deposit Requirements

Holiday let mortgages typically require a higher deposit compared to residential mortgages, with deposits ranging from 25% to 30% of the property value. Our experts can assist you in preparing a robust business plan to demonstrate the viability of your holiday let investment and negotiate favourable terms with lenders, even with a relatively low deposit.

Understanding Costs and Considerations

While holiday let mortgages may incur higher costs compared to standard buy-to-let loans, they offer unique benefits and opportunities for property investors. It’s crucial to ensure compliance with lender requirements and avoid using properties purchased under different mortgage types for holiday letting, which can result in serious consequences.

Here at Pathway Commercial Finance Ltd, we provide ethical, effective and honest brokerage services.We’re proud of the excellent reputation built on the trusted advice and guidance across locations including; 

We provide a catalogue of services, of which we have vast expertise. These services include property finance, business finance, bridging loans, and refurbishment loans. Our specialist consultants will guide you through every step and help you take the stresses of finance off your shoulders.

How we can help.

Get in touch with us today and one of our friendly team will get back to you!

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