Holiday Let Mortgages

  • Whatever your reasons for buying a property, it can be an exciting time. Park Hall teams like to keep things that way for clients.
  • Wherever possible, we anticipate potential hurdles to prevent them, and shoulder any that are unavoidable, whether that’s simply answering lenders’ questions or submitting additional documentation.
  • We work steadfastly to keep the mortgage application process moving.  
 
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Emma Snowden CeMAP qualified mortgage adviser and has over 15 years of experience. She and colleague, Katrina Hallam, a CeMAP qualified mortgage adviser with over 20 years of experience lead the mortgage team. They consider your current financial circumstances and what you need, then guide you in terms of lenders, requirements and conditions so you can reach a decision on; and, if so, which lenders would be the most suitable for you to approach. 

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Emma Snowden CeMAP
Mortgage Adviser

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A Holiday Let Mortgage is taken out on a property that is then let on a seasonal basis and used for holiday rental. It is similar to a Buy to Let mortgage except the maximum amount that a lender will permit is not based on a regular income but uses an average of the rates charged during high, mid and low season.

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We invite you to a free introductory meeting to discuss your mortgage and protection needs. Designed to give you a feel for Park Hall, we can also assess your financial story.

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Holiday Let Mortgages can usually be set up on either an interest only basis or a capital and interest basis however some lenders may require the borrower to have a minimum additional personal income.

We understand how buying a property can take some navigating. We help you through the process and will remind you in advance of any relevant upcoming mortgage deal renewal dates thereafter.

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Within this sector the seasonal nature of the income, along with other factors such as possible higher levels of unoccupancy during low season, can make lending much more complex. For this reason, many lenders impose stricter criteria for those looking for a Holiday Let Mortgage. These do vary by lender but could include requiring applicants to own their own home, be over the age of 21 and have a minimum deposit.

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For financial services that are independent, individually tailored and incomparable, contact us today. Our knowledgeable and helpful advisers will be happy to help.

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YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

HOLIDAY LET MORTGAGES ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.

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How has Philippa Bown helped you?

Phillipa has helped by regular face to face meetings with additional responses to questions. She has guided us through uncertain financial times.  Introduced us to different products to better serve our future. Philippa is an approachable adviser and explains with patience aspects of our financial choices.  We are confident that as we enter a different stage in our lives that her advice will continue to provide a secure base for our future.

Pauline

I have been a client of Park Hall for some years and following some changes in the organisation I have had Andrew as my Advisor for just over 1 year. Andrew undertook a thorough review of my existing portfolio, current financial situation and retirement goals at our first meeting. He provided detailed cashflow forecasting which has provided me with a much better picture given the various scenarios. He also made valuable suggestions regarding costs and charges which will make savings without compromising the investment.

B Taylor

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01623 651 773
2 Market Place
Mansfield Woodhouse
Mansfield, NG19 8AS


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Tax advice and planning, Buy to Let mortgages and Trusts and not regulated by The Financial Conduct Authority.
Please note that some advice on auto-enrolment schemes is not regulated by the FCA.
The value of your investment can fall as well as rise and is not guaranteed.
This is a lifetime mortgage (home reversion scheme). To understand the features and risks, ask for a personalised illustration.
Your property may be repossessed if you do not keep up repayments on your mortgage. Think carefully before securing other debts against your property. There may be mortgages available on the high street, which Park Hall may not have access to.
The Financial Ombudsman Service is available to sort out individual complaints that clients and financial services businesses aren’t able to resolve themselves. To contact the Financial Ombudsman Service please visit www.financial-ombudsman.org.uk
Park Hall Financial Services Limited is authorised and regulated by the Financial Conduct Authority. FCA No. 514480.
Registered Office: 2 Market Place, Mansfield Woodhouse, Mansfield, NG19 8AS.
Park Hall Financial Services Limited is registered in England and Wales, Reg No. 06839868.
The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at customers based in the UK.

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