Maximising Your Holiday Let Investment: Houst Partners with MeetMargo



The Insider @ Houst
Last updated on
July 5, 2023

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Maximising Your Holiday Let Investment: Houst Partners with MeetMargo

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In the ever-evolving mortgage market, one segment is capturing the attention of investors: holiday let properties. With the growing popularity of staycations in the UK, investors are increasingly considering holiday lets as a viable alternative to traditional buy-to-let properties.

In this blog post, we will explore what holiday let mortgages entail, how they differ from standard mortgages, and the key considerations for borrowers.

Whether you're a seasoned investor or a first-time buyer, understanding the ins and outs of holiday let mortgages can help you make informed decisions about this lucrative investment opportunity.

Table of Contents

What is a Holiday Let Mortgage?

A holiday let mortgage is specifically designed for borrowers who intend to rent out their property as a holiday home to tourists, treating it as a business venture. These mortgages are available as interest-only or on a standard repayment basis, and lenders may charge fees for early repayment. The allure of holiday let properties lies in their potential for higher cash flow, particularly during peak seasons. While these investments require more effort, the rewards can be significantly greater than those of standard let properties.

Differences from Standard Mortgages

Holiday let mortgages differ from standard mortgages in several key aspects. Firstly, lenders typically require a larger deposit for holiday let properties, ranging from 25% to 40% of the purchase price. This is because holiday lets carry higher risks due to their reliance on tourism and seasonal fluctuations. Another distinction is that lenders assess eligibility for holiday let mortgages based on the property's rental income potential rather than the borrower's personal income. While some lenders require the property to already generate rental income, others consider projected revenue. Additionally, it's essential to note that holiday let mortgages often come with higher interest rates and fees compared to traditional mortgages. This accounts for the increased risk associated with financing properties primarily used for short-term rentals.

Borrowing Capacity on a Holiday Let Mortgage

The amount you can borrow on a holiday let mortgage depends on various factors, including your financial situation, credit history, deposit size, and the property itself. In addition to the deposit and rental projection, lenders will consider your income and expenses to ensure you can comfortably manage mortgage repayments in case the property is unoccupied. The type of property you wish to purchase also impacts your eligibility for a holiday let mortgage. Lenders prefer properties that can be quickly sold, making them less likely to provide mortgages for holiday park homes or properties limited to being solely a holiday home.

Lending Criteria for Holiday Let Mortgages

While lending criteria may vary slightly among lenders, understanding the requirements increases your chances of approval. Key criteria typically include a minimum 25% deposit based on the property's value, a rental income projection covering 125-145% of monthly mortgage repayments, and ensuring rental income covers mortgage payments with a safety margin of 25-45%. Some lenders may also impose limits on the number of holiday lets you can own. As fewer providers offer holiday let mortgages, it can be challenging to navigate lender criteria independently. Therefore, seeking guidance from a mortgage advisor is advisable, as they can help identify lenders best suited to your situation.

Introducing Meet Margo x HOUST

In the realm of holiday let mortgages, the partnership between Meet Margo and HOUST proves invaluable. Meet Margo offers tailored mortgage solutions that align with your investment goals, whether you're pursuing short-term or long-term gains. Through their network of specialist lenders, they provide access to broker-exclusive rates specifically tailored for holiday let properties. With their industry expertise, you gain valuable insights and guidance to make informed decisions about your holiday let investment. Additionally, partnering with Meet Margo saves you time and money, as they negotiate better terms with lenders on your behalf, all without charging a broker fee. Their commission is earned from the lender upon completion.


Investing in holiday let properties presents a unique opportunity to capitalise on the growing popularity of staycations. By understanding the intricacies of holiday let mortgages and leveraging the partnership between Meet Margo and HOUST, you can unlock the full potential of your investment. Tailored mortgage solutions, access to specialist lenders, industry expertise, and cost savings are all within your reach. Get in touch with Meet Margo today to embark on your successful journey into the world of holiday let investments.

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The Insider @ Houst

The Insider @ Houst

The Insider team provides up-to-date and relevant information on short-term rentals to help navigate the world of short lets. If you're interested in publishing your content, please get in touch with us at

The Insider @ Houst

The Insider @ Houst

The Insider team provides up-to-date and relevant information on short-term rentals to help navigate the world of short lets. If you're interested in publishing your content, please get in touch with us at