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Second home and holiday let mortgages

Fulfil your property related dreams.

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How much can I borrow?

Jatin Shah

If you're looking to borrow £400,000 over 30 years with an interest rate of 4.75%, that could cost you £1,416.67 per month on capital repayment or £1,967.76 on an interest-only mortgage.

Find out how much you can borrow with our mortgage calculator.

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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 escape to the country at weekends.

Others have separated from their partners and want to remain close to their family home. 

Most borrowers will need to put down a 20% deposit to qualify for a second home mortgage at a competitive interest rate.

Lenders will also expect them to have sufficient income to be able to afford the mortgage on their existing property as well and as their new home.

Trinity Financial's brokers often raise the deposit for our clients' second homes by remortgaging their main residence or investment properties. 

Holiday let mortgages 

Holiday let mortgages are designed for properties that will be let out on a short-term basis as holiday accommodation.

With staycations on the rise and recent changes to buy-to-let tax rules, holiday lets are often a great way to get a solid return on property investment. 

More lenders are offering holiday let mortgages as they compete to attract borrowers to this increasingly busy part of the property market.


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Speak to one of our mortgage experts. Either book an appointment to come and see us, or request one of our experts to call you.

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Second home and 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.

The Financial Conduct Authority does not regulate most Buy to Let Mortgages

Your home may be repossessed if you do not keep up repayments on your mortgage

Getting started with Trinity
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Contact us and tell us your requirements

You contact one of our consultants over the phone or arrange a time to meet in one of our offices. You tell us what you are looking for and we assess your mortgage and protection needs based on your monthly budget.

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We'll research and present you with the right options

We collect the information and documentation that the lenders and providers will need. Based on the information supplied, we provide you with illustrations for the most suitable products for your circumstances.

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We'll manage your application to completion

On agreement, we then submit the application on your behalf and manage the application and liaise between all involved parties such as estate agents and solicitors. Post-completion, we are available for any questions.

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years' experience

Over the last 15 years we have helped thousands of clients to purchase new homes, secure buy-to-let mortgages and remortgage.

mortgage experts

Trinity’s experts will do everything possible to secure the fastest mortgage offers while providing you with regular progress updates.

mortgages arranged

We consistently arrange fantastically priced fixed and tracker rate mortgages through the leading banks and building societies.