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Find a holiday let mortgage

Omah’s lender partners are ready to help

Get pre-approved

How financing works

Get pre-approved before you make an offer


Select a lender

  • Select your own lender or one of Omah’s partners
  • Let the lender know that you are buying a holiday let investment property
  • Specify whether you need an interest only financing, or principal plus interest financing

Get pre-approved

  • Usually processed online
  • Send them one of Omah’s shortlisted property
  • Know your buying power

Submit pre-approval letter

  • Being pre-approved makes your offer stronger
  • Your loan will be funded in the closing process

Explore top lenders

Company Type APRC Description Learn more
Lender 4.92%
  • Home equity line of credit (HELOC).
  • Secured against the equity you've built up in your residential property.
  • Choose between a fixed and variable rate
Learn more
Lender 4.7%+
  • Holiday-let mortgage.
  • Maximum 75% LTV. Term 5 years - 40 years.
  • Rental coverage >145% of interest payable.
Learn more
Lender 4.9%+
  • Holiday-let mortgage.
  • Maximum 75% LTV. Maximum term of 25 years.
  • Rental coverage > 125% of interest payable.
Learn more
Lender 5.0%+
  • Holiday-let mortgage.
  • Maximum 80% LTV.
  • Applicant should have an income of >£25,000 from other sources.
Learn more
Lender 5.1%+
  • Holiday-let mortgage.
  • Maximum 70% LTV.
Learn more
Lender 5.2%+
  • Holiday-let mortgage.
  • Maximum 75% LTV.
  • Rental coverage > 140% of interest payable
Learn more
Lender 5.6%+
  • Holiday-let mortgage.
  • Rental coverage > 125% of interest payable.
Learn more
  1. There is no obligation to work with any of the lenders listed above. If you do, Omah may earn a commission. Rates change periodically and depend on the particular applicant’s profile. APRs do not include taxes and insurance premium costs. Other fees may apply.
  2. Please be advised Omah is not agreeing to: a) obtain a loan for any borrower; (b) assist any borrower in obtaining a loan; (c) advise any borrower or (d) consider making a loan to any borrower. By selecting any option above, you agree that any loan obtained shall be for commercial buy-to-let or holiday-let purposes.
  3. (*) Omah doesn't have any financing partnership with these companies and the information presented has been collected from publicly available sources. We advise you to check the official website of these companies for the most updated information on different financing options and rates.

Frequently Asked Questions

Millions of people dream of owning a holiday rental property. It can be a good income source and in these post pandemic times, can offer a change of lifestyle as a second home. But selecting the property requires deep market expertise and there comes setting up the property which is very time consuming. Our mission is to revolutionise holiday rental property investing and ownership and make it much easier to access this asset class.

We find desirable properties with great income potential, help acquire them, get them ready to welcome guests and package them with a top property management solution, ensuring a highly successful investment experience. Further, our proprietary ownership app allows owners to control the property, track performance and book personal stays without any hassles. You can now fulfil your dream of owning a rental property without spending countless nights and months through the purchase journey unguided.

Short-term rental properties are properties that are let out to guests on a short term basis i.e. usually for less than 90 days. Short term rental properties include formats such as Airbnbs, Holiday rental or vacation rental homes, B&Bs, boutique guest houses or small boutique hotels, as well as urban serviced apartments among others. Omah currently focuses on holiday or vacation rental homes and will soon enter into other categories.

Holiday rental properties are properties that are let out to holiday guests on a short term basis.

Real estate is a physical, tangible asset class that people buy in their portfolio to hedge their bets against economic uncertainty. Over a longer period of time, real estate asset classes perform (but not always) better than market average, in an economic recession.

In periods of inflation, real estate has a tendency to hold up remarkably well opposed to fiat investments. Real estate prices rise, income generated from rents grows directly in line with CPI.