If you're looking to invest in a holiday let or expand your portfolio, securing the right mortgage is crucial. The Cumberland offers tailored holiday let mortgages, and what sets them apart is their personal approach – real people, not just computer algorithms, assess your application (writes Howard Reuben, Principal, HCH Financial Services).
For investors who may struggle with rigid lending criteria elsewhere, The Cumberland provides flexible solutions, considering a range of unique property types and ownership structures. So, what makes them a great option for holiday let investors? Let’s dive into the key details.
The Cumberland: flexible lending for holiday let investors
Unlike some lenders who impose strict limitations, The Cumberland is open to a variety of scenarios, including:
Multiple letting units on one title – if you have multiple holiday lets on the same title, they can be considered under one mortgage.
Properties across split titles – ideal if your investment includes properties with different title deeds.
Limited company borrowing – whether you're an individual or operating through a limited company, The Cumberland can lend to you.
First-time holiday let investors – even if you're just getting started in holiday lets, you’re eligible for their mortgage products.
This flexibility makes them a standout choice for holiday rental owners looking for tailored financial solutions.
Key mortgage criteria
The Cumberland offers holiday let mortgages across the UK mainland and certain islands, including Anglesey, Arran, the Isle of Wight, and the Isles of Mull, Skye, and Harris.
Here’s what you need to know about their mortgage terms:
Up to 75% loan-to-value (LTV) – meaning you’ll need at least a 25% deposit.
A maximum of six investment properties – you can grow your portfolio while staying within their lending limits.
Total mortgage exposure of £2m – if you have multiple holiday let properties, The Cumberland allows up to £2m in total borrowing.
Properties with up to four units on one title – ideal for investors with holiday lets in an estate or complex.
Land size up to 12 acres – perfect for those investing in countryside holiday lets with additional outdoor space.
With these criteria, The Cumberland offers holiday let investors the flexibility and support needed to finance, grow, and scale their businesses.
Need help securing a holiday let mortgage?
Whether you're purchasing your first holiday let or looking to remortgage an existing property, finding the right financing can be challenging. That’s where HCH Financial Services comes in.
Our team of expert mortgage brokers can help you:
Find competitive mortgage rates.
Assess the best options for your business structure.
Secure financing for single or multiple holiday lets.
Review your mortgage strategy as your business grows.
Don’t navigate the holiday let mortgage market alone – speak to an expert today.
Contact HCH Financial Services for tailored advice:
Call: 0333 1234 536
Email: advice@hchfs.com
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