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Furnished Holiday Let Mortgages

Secure your perfect staycation retreat whilst earning a rental income. With our Furnished Holiday Let mortgages, you could boost your income whilst enjoying up to 90 days of personal use per year.

What are Furnished Holiday Let mortgages?

Furnished Holiday Let mortgages are designed for first-time and established landlords who want to rent out their properties on a short-term basis to tourists and holidaymakers. These mortgages are different to Buy to Let mortgages, as they take into consideration the unique income patterns associated with holiday rentals.

With a Marsden Furnished Holiday Let mortgage, you benefit from 90 days of personal use every year. This means you not only get to enjoy a seasonal income, but you also have the luxury of a comfortable and fully equipped home away from home to retreat to whenever you like. 

What’s the difference between a Holiday Let and a Furnished Holiday Let mortgage?

Put simply, a furnished holiday let is exactly as it sounds – a furnished holiday rental property. A Furnished Holiday Let mortgage applies only to furnished homes in the UK that are let for the purpose of holidays.

Why should I buy a furnished holiday letting?

Landlords might find furnished holiday lets more attractive due to the potential tax benefits. For example, you might be able to apply for mortgage interest relief, which allows you to offset your mortgage against your profit.

You may also be able to claim capital allowances, which means the costs of furnishing or refurbishing your holiday rental are tax deductible. Moreover, you could classify the profits as earnings, which enables you to make pension contributions and claim capital gains relief when you sell the property.

These tax benefits are not available for conventional buy to let properties, making a furnished holiday let a potentially lucrative investment from a tax perspective.  For more information about tax on furnished holiday let properties, visit the gov.uk website (External).

Is a Furnished Holiday Let mortgage right for me?

There’s a range of eligibility criteria you’ll need to meet for our Furnished Holiday Let mortgage range. As a guide, you could be eligible for a Furnished Holiday Let mortgage with the Marsden if:

  • You’re an owner occupier
  • You’re looking to borrow at least £30,000
  • You’re looking to borrow a maximum of £750,000
  • Your property is worth at least £125,000
  • The property is in England or Wales
  • You’re looking to borrow up to 75% LTV on a repayment or interest only basis
  • You’re at least 21 years old (for joint cases, only one applicant needs to be 21 or over)
  • You have an annual income of at least £25,000 (whether you’re applying on your own or jointly)


Please note, if you’re looking to borrow against your home for a variety of reasons (home improvements for example), depending on the amount of the loan advance, documented evidence may be required to support the loan purpose.

How many holiday let properties can I have?

We have a limit of three mortgaged holiday let/buy to let properties across any number of lenders. If you own more than three mortgaged rental properties, you won’t be eligible for our Furnished Holiday Let mortgages.

Can I use my holiday let property as a holiday home for myself?

Holiday let properties and holiday homes are very different. With a Holiday Let mortgage, the property must be let to holidaymakers on a short-term basis. So, if you simply want a UK holiday home, you’ll need a residential mortgage instead.

For those who want the best of both worlds, we do allow 90 days of personal use on Furnished Holiday Let properties. This means you can still enjoy a home away from home, providing the property is let for at least 30 weeks a year. 

How do I apply for a Furnished Holiday Let mortgage?

If you’d like to apply for a Furnished Holiday Let mortgage with us, our team of UK-based advisors are on hand to help. They can give you more details about our product rates, walk you through the application process and carry out an Agreement in Principle (AIP) over the phone.

To find out more, please call 01282 440500 or request a call back on this page. Our advisors are available Monday to Friday from 9:00am to 4:45pm.

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