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

Existing Member Enquiries

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

Find your local office

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