First Time Buyer Guide to buying your own home.
Elevate your move with our tailored Home Mover Mortgage for a smooth transition to your new dream home.
Refinance with our Home Owner Remortgage for better rates, releasing equity, or funding improvements—empowering your homeownership journey.
Dive into property investment with our Buy-to-Let Mortgage, tailored for both seasoned investors and first-timers seeking to build a profitable portfolio.
Transform your vacation home investment dreams into reality with a Holiday Let Mortgage,
Green Mortgages 🌳 are a new type of mortgage that rewards you for making your home more energy efficient.
Mortgages Adverse Credit Mortgages 📉 are for people with a poor credit history.
Cut NHS wait times with private medical care and private hospitals.
Pay off your mortgage if you or your partner die.
Navigate property transitions seamlessly with our Bridging Finance, offering quick and secure solutions for your short-term financial needs.
Secure your auction triumph with Auction Finance, providing the financial backing needed to confidently bid and acquire your desired property.
Get a Mortgage to start your Holiday Let Business
Its challenging finding lenders for Holiday Let Mortgages. Our expert advice can open doors for you.
A holiday let mortgage is a type of loan that is specifically designed for individuals who want to purchase a property that they plan to rent out to tourists on a short-term basis as a business venture.
This type of mortgage is different from a holiday home mortgage, which is a loan that is taken out to finance the purchase of a second home that will only be used by the borrower.
Talk to us about your savings, lets see where you are or where you need to be
The deposit for a Holiday Let mortgage starts at 15% of the property value. Aim for a 25% deposit and 75% LTV Holiday Let Mortgage to maximise rental yield. If required, we can help you raise the deposit by remortgageing your home or your remortgage your buy-to-let Properties.
Let's use our affordability calculator to determine your target property value range.
At a basic level, mortgage lenders calculate the maximum loan amount based on the standard buy-to-let rental income, as if the property was rented to a family.
Recently, some lenders, have changed their approach. They now assess affordability using an average of low, medium, and high-season expected rental income.
Your own financial situation matters. Lenders consider your income, expenses, and existing debt. They also assess your credit history and conduct stress tests to ensure you can handle potential interest rate increases.
Our goal is to work with every lender available, and we welcome the challenge of finding you the best option.
There are fewer mortgage lenders offering holiday let mortgages than standard buy-to-let mortgages. Some lenders specialize in this niche market. Exploring your options and working with a mortgage adviser who can guide you to suitable lenders is essential.
Holiday-let mortgages often have higher interest rates and fees than standard buy-to-let mortgages. However, the potential rental income from holiday lets can offset these costs, making them a viable investment option.
Dive into property investment with our Buy-to-Let Mortgage, tailored for both seasoned investors and first-timers seeking to build a profitable portfolio.
Maximize your investment with Buy-to-Let Remortgage, ensuring optimal returns by refinancing your property portfolio with competitive rates.
Enhance your property investment strategy with a Buy-to-Let Rate Switch, ensuring you stay competitive in the market with a smart financial move.
Optimize your property portfolio's potential with a Buy-to-Let Mortgage in your SPV Company Name, combining strategic investments with simplified financial structures.
Grow and diversify your property portfolio with our Portfolio BTL Mortgages, offering tailored solutions for seasoned investors aiming for prosperity.
Transform your vacation home investment dreams into reality with a Holiday Let Mortgage,
Unlock the potential of shared living spaces with our HMO Mortgage, tailored to support your investment in Houses in Multiple Occupation.
Elevate your HMO investment strategy with our HMO Mortgage in your SPV Company Name, combining strategic planning with streamlined financial structures.
Revitalize and optimize your HMO investment with a strategic HMO Remortgage, ensuring your shared living spaces remain lucrative in the market.
We are your online mortgage broker, offering you the convenience of applying for a mortgage online. However, we understand that sometimes you may prefer to speak with a human - phone, email or in person.
31 Bradford Chamber Business Park,
New Lane, Bradford, BD4 8BX
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We are authorised and regulated by the Financial Conduct Authority (No. 919921). The FCA does not regulate most Buy to Let mortgages.
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
Cyborg Finance Limited is registered in England and Wales (No. 12131863) at Bradford Chamber, New Lane, Bradford, BD4 8BX