Are holiday let mortgages regulated?

No, holiday let mortgages are not usually regulated by the FCA.

You will need a holiday let mortgage if the property will mainly be let out for short periods, to paying guests/holidaymakers. This means it is an investment property (like a buy to let) and therefore does not fall within the Financial Conduct Authority regulations.

The FCA regulations exist to protect a borrowers own home and do not provide protection for holiday lets, buy to lets, HMO’s etc where it is not your primary residence.

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