Holiday Let Mortgages Explained: What You Need to Know

Host Planet

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4d ago 14:47

M4A•Episode home

Getting the financial side right is the foundation of any successful holiday let investment – and our special guest knows exactly how to help you do that. Joe Stallard, Director at House and Holiday Home Mortgages, joins the Host Planet Mortgage Podcast to break down what hosts and property investors really need to know when financing a short-term rental. From understanding lender expectations to why working with a specialist broker makes a huge difference, Joe shares practical advice to help you make confident, well-informed decisions.

In this episode, Joe also highlights some key trends in the mortgage market, including increasing flexibility from lenders and the importance of property condition, location, and long-term planning. Whether you're buying your first holiday let or expanding your portfolio, this is essential listening for anyone serious about building a sustainable and profitable STR business.

Key takeaways:

Finance first. It might not be the most exciting topic, but sorting your mortgage early – with expert guidance – can make or break your investment.

Brokers know best. A specialist broker will understand the nuances of STR lending and help you navigate the complexities of holiday let mortgages.

Location matters. Lenders are scrutinising property locations more than ever. Choosing a strong area with proven demand is crucial for securing approval.

1:31 Finance might be boring – but you must get it right

2:21 Why it’s important to work with a broker

5:04 Lenders are starting to get more flexible with their products

6:23 The current headline rates for holiday let mortgages

7:08 Lenders are looking carefully at the location of your property

9:42 Understand the property condition and readiness

11:22 Understand planning, usage restrictions, and regulation

Host Planet: https://www.hostplanet.club/

James Varley: https://www.linkedin.com/in/jdsvarley/

Joe Stallard: https://www.linkedin.com/in/joe-stallard-9b462429/

House and Holiday Home Mortgages: https://www.hhhmortgages.com/host-planet

Episode to check next: Top 5 Holiday Let Mortgage Mistakes (And How To Avoid Them): https://www.youtube.com/watch?v=fuCsJ_reAXw&t=2s

Host Planet Mortgage Podcast is presented by James Varley, a holiday let investor and property manager who is also the Founder of Host Planet. Before founding Host Planet, James spent 20 years in the media, including a decade leading corporate communications for the FIFA World Cup Qatar 2022.

Contact the show: [email protected]

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