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Holiday let mortgages

Bath Building Society is one of only a few lenders to offer holiday let mortgages for people who want to buy a property to rent as a holiday let. Also available to Limited Companies. We will consider remortgaging an existing holiday let property for home improvements or purchase of another property. Personal use of the property is permitted for up to 60 days and we will allow the property to be let out as an Airbnb during periods when the property is unoccupied. 

Get an idea of how much you can borrow with our affordability calculator. The calculator will work out the maximum amount you could borrow by using a 5 year fixed rate to calculate the highest mortgage possible. Where a 5-year fixed rate is not available, the lowest rate will be used, stressed at +2%. Please contact the team to discuss your specific circumstances.

Mortgages are secured against your property. You could lose your property if you do not keep up payments on your mortgage.

Here are some Frequently Asked Questions about Holiday Let mortgages.

Affordability calculator

Find out how much you can borrow with our affordability calculators.

Monthly payments calculator

Use the calculator to find out what your monthly payments might be based on the mortgage product and the type and term of your borrowing.

Mortgage details

Error text here

Please scroll down for monthly payments by product.

This is the maximum amount based on the information you provided. Your mortgage adviser will take you through the application process and will calculate the amount you can afford to borrow based on your income after the deduction of those expenses and commitments. Further restrictions may apply for specialist products.

Variable mortgages

Our Standard Variable Rate (SVR) is currently 8.19% (variable). There may be a limit on how low your interest rate can fall. This is called an ‘interest rate floor’. The interest rate floor applicable to your loan will be specified in your loan documentation.

Product name
Holiday Let variable for 2 years
Initial rate
6.19%
Discount from SVR
2%
Overall cost for comparison
8.2% APRC
Max LTV %
75%
Product fee
£999
Mortgage repayment
£XXX.xx per month
Calculate
Product name
Ltd Co Holiday Let variable for 2 years
Initial rate
6.19%
Discount from SVR
2%
Overall cost for comparison
8.3% APRC
Max LTV %
75%
Product fee
£1,499
Mortgage repayment
£XXX.xx per month
Calculate

Fixed rate mortgages

The mortgages listed below move on to our Standard Variable Rate (SVR), 8.19% (variable) after the initial rate period.

Product name
Holiday Let fixed for 5 years
Initial rate
5.89%
Overall cost for comparison
7.7% APRC
Max LTV %
75%
Product fee
£999
Mortgage repayment
£XXX.xx per month
Calculate
Product name
Holiday Let fixed for 2 years
Initial rate
6.25%
Overall cost for comparison
8.3% APRC
Max LTV %
75%
Product fee
£999
Mortgage repayment
£XXX.xx per month
Calculate
Product name
Ltd Company Holiday Let fixed for 5 years
Initial rate
5.89%
Overall cost for comparison
7.7% APRC
Max LTV %
75%
Product fee
£1,499
Mortgage repayment
£XXX.xx per month
Calculate
Product name
Ltd Company Holiday Let fixed for 2 years
Initial rate
6.25%
Overall cost for comparison
8.3% APRC
Max LTV %
75%
Product fee
£1,499
Mortgage repayment
£XXX.xx per month
Calculate

Customer feedback

Read what our members say about Bath Building Society on the review platform, Smart Money People

How to apply

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