Holiday homes and second homes mortgage advice.

Are you looking to buy your dream holiday cottage or a peaceful, second home?

We're here to help you.

If you’ve found a holiday home or a second property that you want to purchase, you will need to ensure that you have the right mortgage in place. One Roof Financial will explain the small print so you can feel confident that you will get a suitable mortgage in place for your second home.

What's the difference between this and a standard residential mortgage?

Getting a mortgage for a second home or holiday home is a very similar process to getting your first mortgage, however because it could add more financial strain, there are stricter affordability checks that need to be considered. Also, if you are planning on renting out this property whilst you aren’t residing there – then this also must be considered. Hence why it would be best to speak to an expert adviser who can help you navigate all of the uncertainty.

Helping you make the right choice for your home or property.

We think it’s important for our clients to have access to tools and resources to help them plan, even before they speak to us. So take a look at our mortgage calculators to see an estimate of what you could borrow and how much it may cost.

What now? Speak to an adviser.

If you speak to one of our advisers, they can develop a bespoke mortgage
quotation for you based on results from over 50 lenders.