Holiday Let mortgage loans
Buy a home that you can rent out throughout the year.
It's easier to get a mortgage loan with Molo
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There’s no paperwork or appointments to worry about.
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Check your eligibility
Find out if you meet our full lending requirements before applying

Requirements
Holiday Let mortgages
Standard AST rental affordability test applies.
Up to 75% Loan to Value (LTV)
We currently lend up to 75% LTV for Holiday-let properties
Physical valuation
A physical valuation is required to decide the suitability of the property
Experienced landlords
Landlords must have 12 months’ experience renting out a property
Our Holiday Let mortgage loans
The tracker mortgage calculations below are based on a loan amount of £195,000.
For a personalised illustration, please visit our mortgages rates page.
LOAN DETAILS
Initial rate term
24 months
Loan amount
£195,000
Mortgage term
25 years
Follow-on rate
4.99%
This is a variable rate made of: a fixed rate of 1.99% above the Bank of England base rate (currently 3%)
Payments
True cost
£24,531.12
Initial monthly payment
24 x £859.63
Followed by
276 x £810.88
Total amount to be repaid
£444,984.00
Total interest payable
£244,434.00
APRC
5.40%
Product cost and fees
Product fee
2.0% of loan
(£3,900)
Conveyancing fee
£1,440
This is an indicative typical fee for dual representation based on the details you’ve given us and assuming a freehold property. It may change if you provide different information later.
You may choose to use your own solicitor instead, but you will need to pay an additional fee for our legal work. There are additional fees you may need to pay.
If you’re applying as a company, we require you to take Independent Legal Advice (ILA).
Valuation fee
£210
Early repayment charges
We apply these charges when you pay above the overpayment allowance for this mortgage
Redemption fee
£150
Overpayment
100%
You may make overpayments up to the amount shown in each 12 month period. Early Repayment Charges will apply for overpayments that go over this limit.
Additional features
Cashback
£500
LOAN DETAILS
Initial rate term
60 months
Loan amount
£195,000
Mortgage term
25 years
Follow-on rate
4.99%
This is a variable rate made of: a fixed rate of 1.99% above the Bank of England base rate (currently 3%)
Payments
True cost
£55,477.80
Initial monthly payment
60 x £859.63
Followed by
240 x £810.88
Total amount to be repaid
£446,739.00
Total interest payable
£246,189.00
APRC
5.40%
Product cost and fees
Product fee
2.0% of loan
(£3,900)
Conveyancing fee
£1,440
This is an indicative typical fee for dual representation based on the details you’ve given us and assuming a freehold property. It may change if you provide different information later.
You may choose to use your own solicitor instead, but you will need to pay an additional fee for our legal work. There are additional fees you may need to pay.
If you’re applying as a company, we require you to take Independent Legal Advice (ILA).
Valuation fee
£210
Early repayment charges
We apply these charges when you pay above the overpayment allowance for this mortgage
Redemption fee
£150
Overpayment
100%
You may make overpayments up to the amount shown in each 12 month period. Early Repayment Charges will apply for overpayments that go over this limit.
Additional features
Cashback
£500
LOAN DETAILS
Initial rate term
24 months
Loan amount
£315,000
Mortgage term
25 years
Follow-on rate
4.99%
This is a BoE BR variable rate made up of: a fixed rate of 7.29% above the 3 month Libor rate.
Payments
True cost
£40,887.12
Initial monthly payment
24 x £1,441.13
Followed by
276 x £1,309.88
Total amount to be repaid
£719,304
Total interest payable
£396,114
APRC
5.4%
Product cost and fees
Product fee
2.0% of loan
(£6,300)
Conveyancing fee
1,680
This is an indicative typical fee for dual representation based on the details you’ve given us and assuming a freehold property. It may change if you provide different information later.
You may choose to use your own solicitor instead, but you will need to pay an additional fee for our legal work. There are additional fees you may need to pay.
If you’re applying as a company, we require you to take Independent Legal Advice (ILA)
Valuation fee
£210
Early repayment charges
We apply these charges when you pay above the overpayment allowance for this mortgage
Redemption fee
£150
Overpayment
100%
You may make overpayments up to the amount shown in each 12 month period. Early Repayment Charges will apply for overpayments that go over this limit.
Additional features
Cashback
£500
LOAN DETAILS
Initial rate term
60 months
Loan amount
£315,000
Mortgage term
25 years
Follow-on rate
4.99%
This is a BoE BR variable rate made up of: a fixed rate of 7.29% above the 3 month Libor rate.
Payments
True cost
£92,767.80
Initial monthly payment
60 x £1,441.13
Followed by
240 x £1,309.88
Total amount to be repaid
£724,029
Total interest payable
£400,839
APRC
5.5%
Product cost and fees
Product fee
2.0% of loan
(£6,300)
Conveyancing fee
1,680
This is an indicative typical fee for dual representation based on the details you’ve given us and assuming a freehold property. It may change if you provide different information later.
You may choose to use your own solicitor instead, but you will need to pay an additional fee for our legal work. There are additional fees you may need to pay.
If you’re applying as a company, we require you to take Independent Legal Advice (ILA)
Valuation fee
£210
Early repayment charges
We apply these charges when you pay above the overpayment allowance for this mortgage
Redemption fee
£150
Overpayment
100%
You may make overpayments up to the amount shown in each 12 month period. Early Repayment Charges will apply for overpayments that go over this limit.
Additional features
Cashback
£500