HMO properties, where multiple tenants rent individual rooms, can generate significant rental yields. However, financing such properties requires a specialized mortgage. HMO mortgages typically require higher deposits, and lenders may impose stricter criteria regarding the property type and its potential rental income.
With the rise of platforms like Airbnb, many property owners are turning to short-term rentals for flexible income. Securing the right mortgage for such ventures is essential, as not all mortgage products are suitable for short-term lets.
Mortgage Options for Airbnb Properties:
Holiday Let Mortgages: Specifically designed for properties rented out on a short-term basis.
Buy-to-Let Mortgages: Some lenders now allow short-term lets on buy-to-let products, but there may be restrictions on tenancy terms.
Residential Mortgages with Consent to Let: Suitable if you plan to live in the property but rent it out occasionally.
Before renting out a property via Airbnb, consider the tax implications and ensure you have a mortgage product that fits your intended use.
Book an appointment with our team to talk through your mortgage needs and get personalized advice at a time that works for you.
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