Holme Mortgages - Mortgage & Protection Specialists

04/09/2026

01/09/2026

Happy 1st September!! 🙌🏼

For many people, January marks a fresh start, but for us there’s something about September that really does feel like a brand new year.

With the school holidays behind us, we’re starting our ‘new half year’ with fresh energy, new goals and lots of excitement for the months ahead!

We’ve loved spending quality time with our families this summer, although we are certain many fellow working parents will understand the challenge of juggling it all!!! 🤪

We are so excited to get back to our structure and routine after a very busy six weeks. A heart felt thank you to our clients, your support means so much, and we’re looking forward to helping even more families in the months ahead.

30/07/2026

We can’t put into words how much appreciation we have for our lovely clients when they take such time and thoughtfulness to write testimonials for us. Thank you to Emily for sharing your experience with Sharon and the care she gives to her clients 💗🫶🏻

29/07/2026

Location is everything. When valuers assess a holiday let, they’re checking whether the area can deliver strong occupancy, stable income and long‑term viability.

Here’s what matters most:

📍 Proven demand — consistent tourism, solid occupancy history, reliable staycation appeal

🚆 Easy transport links — good roads, nearby stations or airports = year‑round bookings

🏖️ Attractions & activities — beaches, parks, walking routes, heritage towns, family fun

🌲 Year‑round appeal — not just summer trade; winter drawcards strengthen affordability

☕️ Amenities — shops, cafés, restaurants, parking and convenience boost guest satisfaction

A strong location doesn’t just enhance the guest experience — it provides lenders with confidence that the property can operate as a high‑performing, commercially viable holiday‑let, supporting both the valuation and the mortgage application.

Need some support or have any questions around lending for your rental property?

Message us directly or email us at [email protected].

Most buy to let mortgages are not regulated by the Financial Conduct Authority. Holme Mortgages is a trading name of Supreme Financial Solutions Ltd, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership on 28/07/2026

28/07/2026

What Lenders and Valuers Look For When Assessing Holiday Let Mortgage Applications...

For lenders and valuers, location is one of the biggest determinants of risk and long term viability. A strong location supports reliable occupancy, stable income, and a resilient valuation - all of which strengthen an application.

Rather than focusing on personal preference, lenders look at whether the area can sustain holiday let demand and generate the level of income required for affordability. Key factors include:
✔️ Proven demand: Valuers assess whether the area consistently attracts staycations, weekend breaks, or seasonal tourism. Strong historic occupancy and established visitor patterns help demonstrate reliable income potential.
✔️ Transport accessibility: Good road links, nearby train stations, or airports increase the likelihood of year round bookings. Lenders favour locations where guests can travel easily and predictably.
✔️ Local attractions and drivers: Beaches, national parks, walking routes, heritage towns, nightlife, and family activities all contribute to lettability. Valuers consider how these features support sustained rental performance.
✔️ Year round appeal: Areas with both summer and winter drawcards typically show more stable income. Lenders look for evidence that the property won’t rely solely on peak season trade.
✔️ Essential amenities: Shops, cafés, restaurants, parking, and general convenience influence guest satisfaction and repeat bookings. These factors help underpin realistic rental projections.

A strong location doesn’t just enhance the guest experience - it provides lenders with confidence that the property can operate as a high performing, commercially viable holiday let, supporting both the valuation and the mortgage application.

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Need some support or have any questions around lending for your rental property?

💬 Message us directly or 📧 email us at [email protected].

Holme Mortgages is a trading name of Supreme Financial Solutions Ltd, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership on 15/07/2026

27/07/2026

Landlords - the Renters’ Rights Act has changed the game 📜

Your responsibilities have increased, and compliance matters more than ever.

Key obligations now include:
❗️ Meeting updated safety and property standards
❗️ Providing clearer, compliant tenancy documentation
❗️ Following strengthened rules on repairs and response times
❗️ Adhering to new notice and eviction requirement

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Holme Mortgages is a trading name of Supreme Financial Solutions Ltd, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

23/07/2026

A huge thank you to Vicki for taking the time to write such a fantastic testimonial about Laura and the amazing service she strives to provide 🫶🏻💗

17/07/2026

14/07/2026

🤔 Thinking about a holiday home or Airbnb-style property? 🏠️ 🏖️

Holiday let mortgages work differently from standard buy to let.

If you’re exploring this route, we can help you understand what lenders look for.

Holiday lets can offer flexibility and potential income, but they also come with seasonal demand and maintenance costs.

It’s important to weigh up both sides before diving in.

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💬 Message us directly or 📧 email us at [email protected].

Holme Mortgages is a trading name of Supreme Financial Solutions Ltd, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority. Most buy to let mortgages are not regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership on 02/07/2026