June 9, 2025

West One’s Holiday-Let Mortgages: Flexibility Meets Opportunity

The UK holiday-let market has seen strong growth, with mortgage deals rising by 23% from 362 in August 2023 to 445 in August 2024. Landlords are increasingly looking to short-term lets as a profitable alternative to traditional Buy-To-Let.

Understand the Risks – And the Lending Solutions

However, the sector isn’t without its challenges. Holiday lets were hit hard by the Covid-19 pandemic, and some local councils and communities remain cautious. Recent tax changes have also added complexity, prompting many landlords to operate through limited company structures for greater tax efficiency.

Yield-Driven Landlords Need Broker Guidance

Despite this, holiday lets continue to offer attractive returns. While average UK rental yields sit around 5%, holiday lets can exceed 8% in strong locations. This potential is balanced by the need to manage void periods, particularly in off-peak seasons. As the market becomes more professional, landlords are better equipped to navigate these challenges and maximise returns.

How West One Helps Brokers Support Landlords

West One is supporting this trend with a flexible, common-sense approach. Our specialist Buy-to-Let range is open to both experienced and first-time landlords, with options for personal or limited company applications. We take a manual underwriting approach, enabling us to assess each case on its merits including complex scenarios that mainstream lenders often decline.

Key Criteria Brokers Should Know

Key features of West One’s holiday-let mortgage include:

  • Loans from £50k to £1.5m
  • Up to 75% LTV for individuals or limited companies
  • First-time landlords and buyers accepted
  • Borrowers can use the property personally
  • Available for purchases and remortgages
  • No minimum income requirement
  • Flexible income verification
  • Suitable for short-term lets and serviced accommodation
Fast Turnarounds and Broker-Focused Support

With fast turnaround times and direct access to underwriters, West One makes it easy for brokers to find tailored solutions. Our specialist mindset and flexible criteria help landlords confidently expand into this growing market.

About West One Loans

West One is a leading provider of specialist property finance, offering a comprehensive range of solutions, including Bridging loans, Buy-to-Let mortgages, Development finance, First and Second-charge mortgages.

With a strong reputation for flexibility, speed, and a customer-first approach, West One caters to property investors, developers, and homeowners seeking tailored funding options.

Our expert team works closely with brokers and clients to deliver bespoke solutions, even for complex cases that traditional lenders may overlook. West One combines deep industry expertise with a commitment to innovation, helping clients achieve their property goals. With a strong track record and a focus on building long-term relationships; West One a trusted name in the specialist finance market.

Fiducia Network Logo
About Fiducia Commercial Network

Fiducia Commercial Network is a commercial finance ‘Appointed Representative’ network created to allow independent firms to provide commercial property finance and trading business finance options to their existing client base and network.

Joining the network provides opportunities for professional brokers to offer a full range of commercial finance solutions by acting as an Appointed Representative (AR) with the full support of the Fiducia Commercial Network team.

The Fiducia Commercial Network membership includes FCA authorisation and reporting, PI insurance, and NACFB membership, plus business, compliance, finance, system, and admin support from a company with over 20 years’ experience in commercial finance.

If you’d like to discuss joining Fiducia Commercial Network or you’d like to apply to become an Appointed Representative…

SPEAK TO OUR TEAM

 

To discuss Fiducia Commercial Network or to apply to become an Appointed Representative email the team via by clicking this link.

For all media and marketing enquiries contact –  pr@fiduciagroup.co.uk