Funding your luxury holiday home
Take a look at our flexible options
Owning a holiday home is closer than you might think. There are a few flexible ways to fund the purchase, and you can mix them to suit your situation. Some buyers pay cash, some release equity from their main home, some use specialist finance, and many use a combination.
Here's how each option works, and the partners we work with to help.
Common ways to fund a holiday home
Cash or savings
The simplest route. Common for buyers who've recently sold a property, had a business sale, taken an inheritance, or are drawing from a pension lump sum.
Releasing equity from your main home
By far the most common route. A small remortgage, further advance, or equity release product against your primary home gives you the funds without touching savings. Rates on a main residence mortgage are usually lower than holiday home finance, which makes this a popular route.
Holiday home finance
Specialist asset finance, secured against the holiday home itself. Useful if you'd rather leave your main home and your savings untouched. Our partners can talk you through deposit levels and rates.
A combination
Most buyers use a mix. Savings for the deposit, a small remortgage for the balance, that kind of thing. Our partners will model the options with you.
Our Partners
Who we work with
Three independent specialists who deal with holiday home buyers regularly. You're free to use any adviser you choose, but these are the ones our owners come back and recommend.
SPF Private Clients
A whole of market, award winning UK mortgage broker. Originally part of Savills, now part of the Howden Group, with 200+ advisers and access to lenders that aren't available on the high street. A strong fit if you're remortgaging your main home, looking at equity release (over 55s), or working through a more complex financial picture. Particularly useful at higher purchase values.
Liberty Money
Whole of market mortgage advice with a specific track record in holiday lodge purchases. They cover mortgages, secured loans, commercial mortgages, and buy-to-let. A good first call if you want one team looking at the full picture across your main home and the holiday home.
Arkle Finance
Specialist leisure asset finance, in the market since 1997. Arkle lend against the holiday home itself, so you don't need to touch your main residence or your savings. A straightforward, ethical lender well used to this product type.
Want us to make an introduction? We can put you in touch with any of our partners directly, just let us know which sounds like the best fit for your situation.
Where to from here?
Funding rarely holds up a purchase. From an initial call to an agreement in principle is usually a matter of weeks.
For rental income, ownership costs and the wider investment picture, head to our investment page. For pricing, layouts and full resort details, download the brochure.