Try The Leeds and C & G, although I think your employment/credit status may be an issue, both these are open minded with holiday lets. C & G, if they can do it, would do it at something near residential rates, The Leeds, probably 1% or so above residential.

Beyond that, there may be some 'more flexible' lenders around and you'd need to see a mortgage broker.

Good luck, I hope it works out for you.

Adrian

HI We recently sold my partners house and paid off what was left of the mortgage and he moved in with me which i have been renting for about 10 years and only paying approx 50% of the rental value, and dont want to move. We have decided to invest in another property and let it out on a holiday let basis, being in such a lovely part of scotland this would be a viable option. We have put an offer in on a property and a price of £98,500 has been accepted. We plan to put a £40,000 deposit towards the purchase and borrow the rest. The problem we're faced with is that holiday let mortgages seem much harder to get than just normal buy to let. Is there any lenders out there that will lend us on buy to let rates providing we let the property on a short assured basis for 6 months of each year and the rest as a holiday let. The other fly in the ointment is we've both just went self employed 6 months ago! My partner has an excellent credit rating, however, I dont. I had some bad debt problems about 5 and a half years ago and although we are both earning a good income we seem to be hitting brick walls each time. We're now having to consider my partner applying on his own. Can you help? Any advice would be great! Thanks!