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Our Holiday Let Mortgages are designed to allow the purchase or re-mortgage of residential holiday lets.

Key Features of our Holiday Let Mortgages

Suitable for:

People looking to purchase or re-mortgage a residential holiday let in Scotland.


Holiday Home Mortgages are available for residential properties. All mortgages are subject to a suitable property valuation, the minimum being £50,000.

Maximum Loan:

We can lend up to 80% of the purchase price or property valuation (whichever is lower).

The minimum loan size is £50,000 and the maximum is £350,000.

How much could I borrow?

Maximum loan 80% of lower valuation or purchase price.

  • Up to 50% of holiday let rental income may be included in the affordability calculation where there is a track record.
  • Rental income must be verified.
  • Minimum income (non-property related) for at least one applicant must exceed £40,000, or £60,000 joint income.

New Saver Enquiries

0345 600 0585

New Mortgage Enquiries

0345 600 4085

Lines open 9-5 Mon to Fri (10-5 Wed). Calls may be recorded and/or monitored.

Existing Member Enquiries

To talk to us about an existing savings or mortgage account, contact your local office

Find your local office