The holiday let mortgage landscape has evolved significantly in recent years. Traditionally, securing a mortgage for a short-term rental property was quite restrictive, with many lenders hesitant to accommodate bookings made through platforms like Airbnb. However, times have changed (writes Howard Reuben, Principal, HCH Financial Services).
Today, an increasing number of lenders recognise the growing demand for short-term rentals and now allow guests who have booked via Airbnb – provided certain conditions are met and the correct mortgage products are used.
Which lenders now allow Airbnb guests?
If you have a holiday let mortgage (not to be confused with a buy-to-let mortgage, which operates under a different contract structure), you may now be able to welcome Airbnb guests under the terms of your loan. The following lenders currently offer holiday let mortgages that support Airbnb bookings:
What this means for holiday let owners
Whether you're a single-property host or a portfolio landlord, securing a mortgage that aligns with your preferred booking platform has never been easier. With the increasing popularity of Airbnb and other short-term rental sites, more lenders are adapting to meet the needs of modern holiday let investors.
Need expert guidance on matching your mortgage with your business model? Contact our team at advice@hchfs.com for personalised support.
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