Utilise real holiday let returns to raise extra capital

At HCH Financial Services, we recently helped a successful holiday let owner achieve a notable financial milestone. By remortgaging onto a competitive deal and raising capital for a new investment, the client was able to expand their property portfolio – all without compromising affordability (writes Howard Reuben, Principal, HCH Financial Services).

The key to this success was the client’s ability to provide solid evidence of rental returns. This meant the mortgage offer was based on actual revenue, rather than relying on third-party projections, which would have undervalued the property’s income potential. Using this data, we identified a lender who tailored the remortgage to suit both the client and their property. The result? A seamless remortgage process that allowed for capital raising – unlocking the funds needed for their next venture, all while meeting strict affordability criteria.

Can we help secure your next holiday let mortgage?

Whether you’re looking to remortgage, raise capital, or both, our team works with a wide range of lenders who calculate offers based on actual rental income. With access to manual underwriting, we can assist with unique circumstances, including:

• New or recently renovated properties: even if you don’t have a full year of rental income, we can help.

• First-time buyers in tied accommodation: we work with non-homeowners who may live with a partner or in employer-provided housing.

• Debt consolidation for property improvement: consolidate debt used for renovations or bridging finance on this or another property.

• Larger properties and annexes: tailored solutions for unique or complex properties.

  
  

Let’s get started

If you’re ready to explore your options, our experienced brokers are here to help. Every property – and every owner – is unique, and we’re committed to finding a solution that works for you.

Get in touch:

• Email: advice@hchfs.com

• Call: 0333 1234 536

• Visit the HCH Financial Services website

  
  

Let us help you unlock the full potential of your holiday let and achieve your next investment goal.