HCH Mortgage Podcast

12 key facts about holiday let mortgages

HCH Financial Services Season 1 Episode 1

The HCH Mortgage Podcast shares everything you need to know about holiday let mortgages.

 

The show is brought to you by HCH Financial Services – a new brand powered by Holiday Cottage Handbook and HD Consultants. HCH Financial Services offers access to a comprehensive range of holiday let products, in addition to providing life insurance, will writing, and other services.

 

The show is hosted by Holiday Cottage Handbook Founder, James Varley. Today’s special guest is Samantha Turmaine, Lead Consultant for HCH Financial Services. James and Samantha outline 12 key facts about holiday let mortgages.

 

2:50 Purpose of the mortgage

5:13 Rental income consideration

6:58 Deposit

7:46 Interest rates 

8:34 Best mortgage products on the market 

9:02 Rates seem to be on a downward trajectory

9:47 More lenders are offering holiday let mortgages

10:38 Rental coverage ratio

12:25 Seasonal income considerations

13:48 Lenders will look closely at the location

15:30 Use restrictions

16:50 Minimum income requirements 

18:10 Self-employment and property experience

19:07 Specialist lenders 

20:38 Tax implications

21:50 Regulatory considerations 

 

Links:

 

HCH Financial Services: www.hchfs.co.uk

Call: 0333 12345 36

Email: advice@hchfs.co.uk

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Email the show: james@holidaycottagehandbook.com

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