My existing mortgage for a property in Manchester explicitly forbids short-term letting. Are there specialist mortgage products available now that permit short-term lets, and what are the typical interest rates or criteria compared to standard buy-to-let mortgages?
Quick Answer
Specialist holiday let and short-term let mortgages allow properties to be rented out on shorter agreements, unlike standard BTLs. Their criteria often include projected rental income and typically align with or slightly exceed standard BTL rates.
About This Topic
Explore specialist holiday let mortgages in the UK. Understand typical interest rates (5.0-6.5%), income assessment, and criteria for properties allowing short-term lets from December 2025.
This question is part of our Financing & Mortgages category, providing expert guidance on UK property investment.
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