Holiday Let Mortgages UK Explained: The Essential Guide
Holiday let mortgages: key facts for 2026 Typical deposit: 25–30% (70–75% loan-to-value). A few specialist lenders go to 80%, at higher rates. Income test: projected holiday income usually needs to cover 125–145% of the mortgage interest, calculated at a stressed rate. Rates: priced above standard buy-to-let. The Bank of England base rate is 3.75% (held […]