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HCH Mortgage Podcast

Everything you need to know about holiday let mortgages.

This podcast is brought to you by HCH Financial Services, which is powered by Holiday Cottage Handbook and HD Consultants.

Presented by James Varley, Founder, Holiday Cottage Handbook.

For mortgage advice:

Call: 0333 1234 536
Email: advice@hchfs.co.uk
Visit www.hchfs.co.uk

For a host of free resources for short-term rental hosts and property managers, visit www.holidaycottagehandbook.com

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HCH Mortgage Podcast

12 key facts about holiday let mortgages

January 01, 2024 • 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