Frequently Asked Questions
FAQ Topics

Can a holiday home be a main residence?

A second property cannot be both a holiday home and a main residence.

Generally a second home will fall into two types:

  • HOLIDAY HOME – Where the property is to be enjoyed by your family and friends
  • HOLIDAY LET – Where the property is to be commercially let out

Many clients purchase a holiday home with the firm intentions of then permanently living there during retirement. Checks should be made prior to completion that this in fact ‘legal’. Some properties in some areas have occupancy restrictions in place that would prevent this.

You would then need to advise HMRC that your main place of residence has changed. Take advice regarding this as there may be some tax consequences.


Choosing a mortgage is an important financial decision and it’s easier with someone who’s on your side. We work as a whole of market mortgage broker so that you get the best possible choice of mortgages.



We are perfectly placed to help you find a buy to let mortgage solution that matches your property needs for individuals, families, investors, landlords and Limited Companies.

buy to let mortgages

We are experienced whole of market brokers who can help you get a great holiday let mortgage.

We can also give you access to exclusive schemes and some specialist lenders who don’t deal direct with borrowers. Loans are available to individuals and SPV’s upto 75% and we can help with Scottish properties, mixed use, multi-lets and Airbnb.

Our holiday let mortgage brokers know the lenders and their lending criteria well, enabling us to guide you to the best holiday let mortgage solutions

holiday to let mortgages

Bridging loans are one of the most useful, multi-purpose, types of lending solutions available. You can get a bridging loan approved on almost any property for almost any reason. Great for auction purchases or snapping up a buy to let bargain.

And we can arrange them really fast.

bridging loans

Development finance is designed to help with the purchase and build costs for a residential development project.

Solutions are available for change of use, ground-up projects, refurbishment or major building work and property extensions.

development loans
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