We've whipped up a brand-new Holiday Buy to Let range of mortgages, available for both purchase and remortgage, up to 80% LTV.
We've whipped up a brand-new Holiday Buy to Let range of mortgages. Here's everything you need to know about our new range
Standard BTL ICRs apply, with a 1% stress added to the pay rate for 5-year fixed products and all £ for £ Remortgages.
Interest coverage ratio (ICR) is 125% for SPVs
ICR for individual applicants where all applicants are Basic Rate Taxpayers is 125%, Higher Rate Taxpayers is 145% and a mix of basic and higher rate tax payers is 135%
2 year fixed products: assessed on initial rate + 2%, or a nominal rate of 5.5%, whichever is higher
5 year fixed products: assessed on initial rate + 1%
Remortgage applications with no additional borrowing: assessed on initial rate + 1%
Rental income will be based on the average of the low, medium and high season rents and must be confirmed by a reputable holiday letting agent
Rental income will be based on a 30-week period, unless confirmation from the letting agent indicates a lower level of demand
Whether it’s a UK holiday let, an inherited property, or a stepping stone before buying or moving abroad — we’ve got it covered. From first-time landlords to expats, HMOs, Consumer BTLs, Let to Move, and Limited Company SPVs, we’re ready to support your specialist BTL clients.
Available for both purchase and remortgages.
Fee Saver: No assessment fee, free valuation on properties up to £500k and a reduced product fee.
| Product type | LTV | Tier | Initial rate | Fee | Max loan | Cashback |
|---|---|---|---|---|---|---|
| Standard | 75% | Vida 36 | 5.50% | 2% | £2m | n/a |
| Vida 24 | 5.65% | |||||
| Vida 6 | 6.05% | |||||
| Standard | 80% | Vida 36 | 5.65% | 2% | £750k | n/a |
| Vida 24 | 5.80% | |||||
| Vida 6 | 6.20% | |||||
| Standard Fee Saver | 75% | Vida 36 | 6.45% | 0.75% | £2m | £300 |
| Vida 24 | 6.60% | |||||
| Vida 6 | 7.00% |
2 year
4% until 30/04/2027
3% until 30/04/2028
£50K
8.89% (VVR + 2.84%)
6.05% Set on 01.09.2025
2 year - 30/04/2028
Available for both purchase and remortgages.
Fee Saver: No assessment fee, free valuation on properties up to £500k and a reduced product fee.
| Product type | LTV | Tier | Initial rate | Fee | Max loan | Cashback |
|---|---|---|---|---|---|---|
| Standard | 75% | Vida 36 | 6.20% | 2% | £2m | n/a |
| Vida 24 | 6.35% | |||||
| Vida 6 | 6.75% | |||||
| Standard | 80% | Vida 36 | 6.35% | 2% | £750k | n/a |
| Vida 24 | 6.50% | |||||
| Vida 6 | 6.90% | |||||
| Standard Fee Saver | 75% | Vida 36 | 6.62% | 0.75% | £2m | £300 |
| Vida 24 | 6.77% | |||||
| Vida 6 | 7.17% |
5 year
£50K
8.89% (VVR + 2.84%)
6.05% Set on 01.09.2025
5 year - 30/04/2031
From Portfolio landlords to Expats to HMOs — We’ve Got BTL Covered. Search our BTL criteria
Check BTL affordability instantly — no login, no DIP. Try our BTL Affordability Calculator
Get direct access to the Underwriter handling your case through the V-Hub.
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Got questions? We’ve got answers—clear, quick, and straight to the point.
Call the V-Hub on 03300 246 246 and speak to our experienced team:
Already have everything you need? You can login to the Broker Portal to start a new mortgage application or head over to our Product Switch Hub to switch an existing customer to a new deal.
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