Holiday let mortgages for limited companies
20 of the 28 buy-to-let lenders on our panel accept holiday lets, and the loan the same cottage supports can differ sharply between them. The reason is the income basis: 18 assess on ordinary AST rent, while 11 will lend against actual holiday letting income.
We put your company's case to the lenders whose income basis suits the property. Free, no obligation, and your details go nowhere without your say-so.
The holiday-let panel in numbers
20
of 28 buy-to-let lenders accept holiday lets
11
will assess on actual holiday letting income
18
assess on the property’s AST rental value
24
require no landlord experience for standard lets
Counts are distinct lenders on our panel with at least one live product matching the criterion, checked September 2026. Panel composition changes over time, and meeting a criterion is not an offer: every case is subject to the lender's own checks.
Why the income basis decides the deal
Buy-to-let loans are sized on rent covering the mortgage interest by a margin. On a holiday let there are two rents to choose from: what the property would fetch on a twelve-month tenancy, and what it actually earns by the week in season. In tourist locations the second figure is usually much higher. A lender working from AST rent may offer a smaller loan on the same property than one working from letting-agent projections, so the choice of lender is often the difference between a deal that stacks and one that does not.
The trade-off runs the other way too: holiday income is seasonal, void-prone and platform-dependent, which is why some lenders price it higher or cap the loan-to-value a notch lower. Neither basis is wrong. What matters is putting the case to the lender whose model suits your property, which is the matching we do before anything is submitted.
A note on who we take on
We currently work with UK limited companies and LLPs only, for business and commercial purposes. We complete non-regulated introductions and are not authorised by the Financial Conduct Authority. We do not arrange regulated mortgage contracts, including properties for your own use.
The panel behind this page
Holiday-let cases go to the 20 lenders on our buy-to-let panel of 28 that accept them, matched on income basis first, part of 200+ lenders across all products. That range matters more than any single rate: the lender that suits a five-year-old limited company with clean accounts is rarely the one that suits a seasonal business or a director with a past blip, and a broker with a shallow panel has to force your case into whichever box it holds.
Names you may recognise on the panel
Examples from our panel as at September 2026, not an endorsement of any lender and not the full list. We check criteria first and put your case only to lenders whose requirements you fit. The full panel by product is in our lender directory, and how we choose is set out on our how we work page.
Frequently asked questions
How many lenders offer holiday let mortgages?▼
20 of the 28 buy-to-let lenders on our panel accept holiday lets, out of 200+ lenders across all products. Figures checked September 2026; panel composition changes over time. The bigger differences sit behind that headline: how each lender assesses the income, and what they think of short-let platforms.
How is holiday let income assessed for the mortgage?▼
Two very different bases. 18 of our holiday-let lenders size the loan on what the property would earn on an ordinary assured shorthold tenancy, which is cautious but simple. 11 will use actual or projected holiday letting income, usually an average of low, mid and high season figures from a letting agent. On a strong coastal or tourist-town property, the holiday-income basis can support a noticeably larger loan.
Can my company get a mortgage for an Airbnb property?▼
Usually yes, if it is run as a genuine short-let business. Lenders vary on platform lettings: some are comfortable with Airbnb-style occupancy, others want a track record through a holiday letting agent, and most want to see the property is available to let commercially rather than kept for your own use. Personal use restrictions are common in the mortgage conditions.
Do holiday lets need a bigger deposit than buy-to-let?▼
Often slightly. Holiday-let products commonly cap loan-to-value a notch below the same lender's standard buy-to-let range because the income is seasonal. The rent basis matters as much as the deposit: a property assessed on AST rent in a seasonal location may be limited by the rent figure rather than the loan-to-value cap.
Is a holiday let mortgage FCA regulated?▼
Lending to a limited company running the property as a letting business is generally unregulated. If you or your family will use the property, some or all of the time, the case can fall into regulated territory, and we do not arrange regulated mortgage contracts. CapExpand introduces limited companies and LLPs on a non-regulated basis and is not an FCA-authorised firm.
Important information
CapExpand Ltd is not authorised by the Financial Conduct Authority and can only complete non-regulated introductions. We work with UK limited companies and LLPs only, for business and commercial purposes. We are not a lender and we do not provide financial, tax or legal advice. We do not arrange regulated residential mortgages, consumer buy-to-let mortgages or any other regulated mortgage contracts. We work with a panel of lenders whose particulars are available on request, and we receive commission from the lender if a deal completes, at no cost to you. All lending is subject to status, valuation where applicable and the lender's own checks.
Registered office: Pure Offices, Lake View Drive, Annesley, Nottingham, NG15 0DT. Company No. 14433858.
Tell us about the property and the season
Location, letting history or projections, and how the company is set up. We come back with the lenders whose income basis fits, usually within a day.