Top 10 Best Holiday Let Lenders in the UK (2026)
Ranked shortlist of lenders in our directory — same data and rules as our Holiday Let guide. Not a personal recommendation; see how we rank below.
How this list is built
We use transparent directory signals only - no paid placement.
- Lenders must show active holiday let focus in our lender directory data.
- Order is based on active status, lender type grouping, then alphabetical tie-break.
- This is directory ordering, not a personal recommendation or financial advice.
Shortlist
Lenders in our directory with holiday let focus, ordered as above.
10 lenders
The Mortgage Works
Dudley Building Society
Hanley Economic Building Society
Leek United Building Society
Suffolk Building Society
Tipton & Coseley Building Society
Fleet Mortgages
Keystone Property Finance
West One Loans
Allica Bank
Related Articles
Practical guides and explainers from our blog — relevant to this mortgage type.
Holiday Let Mortgages: How They Work & FHL Tax Changes
A guide to holiday let mortgages in the UK — covering lender criteria, income requirements, Furnished Holiday Lettings tax changes, and how to find the best rates.
Holiday Let Mortgage Calculator: Work Out Your Costs
Use our guide to calculate holiday let mortgage costs, including stress tests, rental income projections, and how lenders assess seasonal letting income for affordability.
Holiday Let vs Buy-to-Let: Which Investment Is Right for You?
Compare holiday lets and buy-to-lets as investment strategies. Understand the differences in mortgage criteria, tax treatment, income potential, and management requirements.
Holiday Let Mortgages: Complete Guide to Short-Term Rental Finance
Complete guide to holiday let mortgages. Learn about rental income requirements, planning considerations, and investment potential.
Important Information
Mortgage118 is not a lender or broker. This page reflects directory information only and is not financial advice. Confirm FCA status and suitability with an adviser before you act.