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    0800 980 6262
    Request a call back
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New clients
0800 032 3737
Existing clients
0800 980 6262
Request a call back
Make a payment
Contact us
Contact us

Holiday Let Mortgages

Quick and straightforward First and Second Charge Holiday Let Mortgages

  • Loans from £10k - £500k
  • Mortgage terms from 36-300 months
  • Adverse credit considered 
  • Automated valuations (AVM) accepted
  • Funds possible in 48 hours
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Holiday House

Why choose Mercantile Trust?

With our common sense approach to lending, we offer flexible and quick solutions tailored to your needs.

Sales Point Tick
Borrow from £10,000 to £500,000
Sales Point Tick
Borrow up to 75% Loan-to-Value (LTV)
Sales Point Tick
Personal & Limited company borrowers welcome
Sales Point Tick
Lending across the UK: England, Wales, Scotland, and Northern Ireland
Sales Point Tick
Minimum property value £75,000
Sales Point Tick
Non-standard construction properties accepted
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Unlock the income potential of your holiday property

Whether you’re investing in a seaside retreat, countryside cottage, or city centre apartment, a holiday let mortgage allows you to purchase or refinance a property specifically intended for short-term holiday rentals. Unlike traditional Buy to Let Mortgages, Holiday Let Mortgages are designed for properties let out on a short-term basis to paying guests — ideal for generating higher yields during peak seasons.

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What is a Holiday Let Mortgage? 

A Holiday Let Mortgage is a type of loan secured against a property that will be let out to holidaymakers on a short-term basis. It differs from a standard residential or Buy to Let Mortgage, as lenders assess affordability based on projected rental income during peak and off-peak seasons, rather than long-term tenancy agreements or personal income alone.

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Holiday Let Mortgage criteria

  • Nationwide Coverage: Available for properties across England, Scotland, Wales, and Northern Ireland
  • Available for UK Holiday Destinations: Finance properties located in popular tourist areas across England, Scotland, Wales, and Northern Ireland.
  • Competitive LTV: Borrow up to 75% loan-to-value (LTV)
  • Loan Sizes: Borrow from £10,000 to £500,000
  • Mortgage terms: Available from 36 to 300 months
  •  Age eligibility: Applicants must be at least 18 years old
  • Diverse Property Types: Most construction types accepted
  • Flexible Income Assessment: Rental income from verified holiday letting agents or platforms such as Airbnb, or Booking.com may be considered
  • Landlord-Friendly Terms: No minimum income required for existing landlords
  • Flexible Repayment: Interest only or capital repayment options
  • Product options: Various fixed rate options available, including a 5 year fixed rate with no early repayment charges
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Application process 

1

Simply fill out the Enquiry Form to arrange a call back or call our expert team on 0800 032 3737


2

We will take time to understand what you want to achieve and ensure you qualify for a loan with us


3

If approved you could have the funds in 48 hours

Ready to get started? 

We are here for anyone who needs flexible and tailored loan solutions. Whether you have complex income, have imperfect credit, are employed or self-employed, or need faster access to funds than a high street lender can offer — we’re here to help.

Let’s discuss how we can help your next investment. Speak to an expert.

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© 2025 Mercantile Trust. All rights reserved.
Postal address: Mercantile Trust Limited, Building 2, Axis, Rhodes Way, Watford, Hertfordshire, WD24 4YW.
Registered Office: 25-27 Surrey Street, Norwich, Norfolk, NR1 3NX. Mercantile Trust is registered in England No: 07023863.

Our loan products are not regulated by the Financial Conduct Authority.

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.