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Owning a second home or pied-a-terre is becoming increasing popular.

Many of the clients we have arranged second home mortgages for have either bought property to reduce their commute, or to escape to the country at weekends.

Most borrowers will need to put down a 25% deposit to qualify for a second home mortgage at a competitive price. Lenders will also expect them to have a sufficient income to be able to afford their existing property as well and their new home.

Holiday let mortgages

It is important you take out the right mortgage when you plan to buy a property and let it to holidaymakers.

Holiday let mortgages allow borrowers to buy property as an investment, benefit from the rental income generated and take advantage of increases in house prices.

Trinity Financial has access to a number of lenders offering holiday let mortgages. These mortgages can allow owners to either stay in them periodically or let them throughout the year.

There is an important difference between holiday let mortgages and holiday home mortgages. And, if you are planning to buy a property for letting, the correct mortgage should be arranged.

You will need at least a 25% deposit to qualify for a holiday let mortgage and have a minimum annual income of around £25,000. Rent generated from the property will determine how much can be borrowed.

Call Trinity on 020 7016 0790 to secure a second home or holiday let mortgage.

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Get in touch

To arrange a meeting with one of our expert mortgage advisers complete our enquiry form and we will call you back. Please note, by submitting this information you have given your agreement to receive verbal contact from us to discuss your mortgage requirements.

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