Brilliant Solutions

The internet is down in our Head Office.  Staff continue to answer the phone and respond to messages but understandably response times and service standards are affected.  Please contact your Relationship Manager directly if you have any urgent issues.  Thank you.

Our office will be closed from 5pm Thursday, 20th October to 9am Friday, 21st October.
If you have any cases or enquiries that this may affect, please contact our team today. We apologise for any inconvenience.

We are currently experiencing some technical issues that are affecting our telephone lines and internet connection.

We hope to resolve this asap. Apologies for the inconvenience.

 

In honour of Her Majesty Queen Elizabeth II our offices will be closed on Monday 19th September while our staff pay their respects.

The office will re-open at 9am on Tuesday 20th September.

Harpenden Building Society

View here for Harpenden Building Society for Intermediaries’s latest product announcements.  Contact us for more information.

Holiday Lets rate 2.69% / 3.19%
  • Holiday Let/Holiday/ Home/Second Home
  • 2.69% / 3.19%
  • Max LTV Repayment 80%
  • Max LTV Interest-Only/Part & Part 75%

We manage complex cases, offer bespoke solutions and provide flexible underwriting. 

Our product:

  • Employed, self-employed or contractors
  • No upper age limit
  • A minimum income of £30k is required
  • Personal usage allowance introduced up to 90 days
  • Customer’s earned income is considered from a range of sources
  • Holistic view of the applicant’s financial circumstances
  • Available for purchase, re-mortgage or release of equity to include short term holiday letting
  • Gifted deposit accepted (must be from a family member)

View rate card

Every policy is underwritten manually, which enables us to create highly flexible solutions to complex mortgages. We consider many forms of complex income, including pension, trust income, maintenance and investment as well as standard employed and self-employed.  

In our experience, holiday let purchases are often made by customers with multiple forms of income from a range of financial sources. Mortgage applications assessed by a mainstream retail lender can’t always accommodate customers with a complex income and can be rejected by algorithms.

We believe a specialist lender like ourselves, experienced in this area, are best suited to dealing with the unique aspects of buying a holiday let.  You can view all of our products and lending criteria on our website. 

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