Can I stay in my own holiday let?

One of the advantages of owning a furnished holiday let is that you and your family and friends are able use it for your own holidays.

BUT YOU CANNOT LIVE IN IT AS YOUR MAIN HOME.

It is an investment property that cannot be permanently occupied.

It is mainly the mortgage lender that applies this restriction but there may also be covenants restricting how your holiday cottage can be used.

However, you may at some point in the future decide that you want to live in your holiday home permanently. This should be possible with either the lender’s consent or by changing the mortgage/paying it off.

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