- Specialist lending offering expanded to include restricted holiday lets
- Max LTV of 65% (gross 67%) and higher ICR from 125% to 140%.
- Continued commitment to providing brokers with the expertise and solutions they need.
Restricted holiday lets come with their own set of challenges. Our new offering includes lending on these properties with a maximum loan-to-value (LTV) of 65% (gross 67%) and an increased income coverage ratio (ICR) for holiday lets in personal names from 125% to 140%. These changes ensure brokers have the right tools to help their clients navigate this specialist area confidently and sustainably.
Alex Upton, Managing Director, Specialist Mortgages & Bridging, said:
Restricted holiday lets represent both complexity and opportunity in today’s market. As planning rules tighten and tax reforms take effect, investors need the right financial support to adapt and thrive. At HTB, we specialise in transforming challenges into opportunities. This expansion reflects our commitment to equipping brokers with the expertise and tailored solutions they need to help their clients succeed in this growing niche.
Andrea Glasgow, Sales Director, Specialist Mortgages, added:
We know brokers are seeing increased demand for restricted holiday lets as investors look to diversify and respond to market changes. What they need from us is clear—products that reflect the intricacies of this market, paired with expert support and quick decisions. This expansion ensures brokers can confidently guide their clients, knowing HTB provides the tools and partnership they can rely on.
This expansion shows our commitment to giving brokers solutions that combine deep market expertise with direct access to decision-makers. By tackling the challenges of restricted holiday lets thoughtfully, we continue to support brokers and their clients in a dynamic market.
Read the original story here.