Holiday lets
for ltd companies

We provide mortgages for the purpose of purchasing, remortgaging or capital-raising against holiday let property owned through limited companies in affluent coastal and national park locations.

We lend against purchase price, open market vacant possession, or investment valuation - whichever is lowest.

We are able to lend to the following:

  • Limited Companies

We accept the following as security:

  • Houses
  • Flats
  • Bungalows
  • Multi-Unit Freehold Blocks (MUFBs)
  • All loans are subject to status and secured against the property with full personal guarantee(s) required. Sometimes additional security may be required. Early repayment charges and an arrangement fee apply. Other fees may also apply. Exclusions and conditions apply. For more information you can call us on 0333 414 1171.


We provide:

  • Loan terms from 5 to 25 years
  • Loans from £500,000 up to £20,000,000 maximum per portfolio.
  • Up to 75% LTV
  • Repayment, part & part and interest only payment options
  • No compulsory insurance arrangements (fees and conditions apply)
  • No requirement to transfer your business bank account
  • For more info call 0333 414 1171

ANY PROPERTY USED AS SECURITY, WHICH MAY INCLUDE YOUR HOME, MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Our charges

Early repayment charges

You can pay off your mortgage early whenever you want, but you will have to pay an early repayment charge if you repay all or part of your mortgage within a specified period. Additional interest will be payable in the event of early redemption of the mortgage. Please contact Commercial Lending on 01733 372 425 to discuss what Early Repayment Charges are applicable to our products.

For a full list of our mortgage charges and a description of when these may apply, you can download our Guide to Buy to Let Fees and Charges (75 KB) .

FAQ's

Q: I am buying a holiday let as an investment but I’d like to stay there myself sometimes, is this allowed?

Yes. Owner stays are acceptable up to a maximum of 90 days per annum.

The property I want to purchase hasn’t been rented out as a holiday let before. Is it ok there’s no track record?

Yes. We’ll instruct experienced valuers to provide a detailed report on the property; they’ll be able to indicate what the holiday rental value of the property is.


How to apply

Over the phone

Call our dedicated commercial mortgages team

0333 414 1171*

Post

Send a completed application form and your documentation to us.

Postage address

YBS Commercial Mortgages
YBS Group
Peterborough Business Park
Lynch Wood
Peterborough
PE2 6WZ