Property type: Holiday Let
Holiday Let Bridging Loans Surrey
We arrange bridging finance against holiday lets and short-stay property across Surrey, from the staycation cottage stock through the Surrey Hills AONB at Leith Hill, Box Hill and Newlands Corner, through the RHS Garden Wisley horticultural tourism catchment, to the Brooklands motoring-heritage tourism corridor and the Hampton Court draw on the East Molesey-Walton-on-Thames riverside. Loan sizes run £200,000 to £3 million, terms 6 to 18 months, completions in 7 to 21 days. Holiday-let bridging is unregulated investment lending; pricing sits 0.8% to 1.25% per month depending on rental evidence and the credibility of the exit.
- Decisions in hours
- Completion in days
- £100k to £25m
- Surrey specialists
Surrey · Surrey
Bridge to your next move.
The asset class
What holiday let property looks like in Surrey.
Holiday-let property across Surrey covers self-catering cottages and converted barn stock through the Surrey Hills AONB, the larger country-house holiday-let portfolios run by long-term Surrey operators, the smaller B&B and guesthouse stock that sits between holiday let and small-hotel along the Surrey Hills villages and the country lanes off the A25 and A24, plus the apartment-led short-stay stock along the Thames riverside at Walton-on-Thames, Weybridge and Esher. The income profile is seasonal with a stronger spring-summer pattern driven by walking, cycling and garden tourism plus a parallel year-round demand from corporate, motorsport and Hampton Court visitor flows. Lenders read the rental evidence on a 12-month basis with a discount for void weeks and management costs.
Use cases
Bridging use cases for holiday let assets.
Holiday-let bridging cases across Surrey cluster around four patterns. The first is purchase of a country cottage or converted barn through the Surrey Hills with the intention of marketing as a staycation let through Sykes Cottages, Holiday Cottages or direct booking, where the bridge funds the purchase plus a refurbishment to short-let standard. The second is refurbishment-and-reposition cases where an existing holiday let around RHS Wisley, the Box Hill corridor or the Hampton Court fringe is bought and upgraded to a higher rate band. The third is capital raise against an unencumbered holiday-let portfolio held by an established operator, often to fund the deposit for the next acquisition. The fourth is conversion plays where a former agricultural or mixed-use building is bought and converted to multiple holiday-let units. Lenders care about location, rental evidence, the operator's track record and the realism of the holiday-let BTL refinance exit.
Surrey context
Holiday-Let Demand from the Surrey Hills AONB to RHS Wisley and Brooklands
Surrey carries a substantial staycation and weekend-break market for a county without coastline, driven by the AONB landscape, the heritage estate and the proximity to Greater London. The Surrey Hills Area of Outstanding Natural Beauty draws walking, cycling and weekend-break visitors across Leith Hill, Box Hill, Newlands Corner, the Hindhead Devil's Punchbowl and the wider Hindhead-and-Thursley belt; the staycation pattern peaks spring through autumn but holds year-round demand from corporate retreats and family weekends. RHS Garden Wisley anchors a horticultural tourism cluster drawing year-round visitors through the Wisley and Ripley corridor near M25 Junction 10. Hampton Court Palace, just over the Surrey boundary on the Greater London side, draws visitor traffic into the East Molesey, Walton-on-Thames and Weybridge riverside, supporting riverside short-stay stock. Brooklands Museum and Mercedes-Benz World at Weybridge anchor the motoring-and-aviation heritage tourism market, drawing weekend visitors to the surrounding hotel and short-stay stock. The Sandown Park, Epsom Downs and Kempton Park racing weeks bring seasonal short-stay demand into the wider commuter towns. Sykes Cottages, Holiday Cottages and the wider holiday-let agency network all carry meaningful Surrey stock. Bridging lenders price holiday-let in the Surrey catchment confidently where the borrower has rental evidence from a recognised agency or a credible projection.
Valuation and lenders
Valuation and lender considerations.
Holiday-let valuations come back on a residential comparable basis for the underlying property, with the holiday-let income recognised by some lenders for stress-test purposes on the refinance exit. Bridging lenders lend on the underlying residential value rather than any holiday-let investment uplift, with LTV caps sitting at 70% to 75% on stabilised holiday lets and 65% to 70% on conversion or refurbishment cases. MT Finance, Roma Finance and Octopus Real Estate all take Surrey holiday-let bridging. Specialist holiday-let BTL lenders for the refinance exit include Cumberland Building Society, Furness Building Society, Hodge and the dedicated holiday-let products at Precise Mortgages and Kent Reliance.
What we arrange
What we typically arrange.
A typical Surrey holiday-let bridge sits at £300,000 to £1.2 million, 70% to 75% LTV, 6 to 12 months term, 0.85% to 1.15% per month, arrangement fee 1.5% to 2.0%. Refurbishment cases include a works tranche. Exit is to specialist holiday-let BTL refinance, sale to an investor, or roll-up into a larger portfolio refinance. We work with holiday-let-specialist BTL brokers to package the refinance alongside the bridge so the exit is committed before drawdown.
FAQs
Holiday Let bridging questions
Can we bridge a holiday-let purchase in the Surrey Hills AONB?
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Yes. Country cottages and converted barn stock through the Surrey Hills AONB, particularly across the Leith Hill, Box Hill, Newlands Corner and Hindhead corridors, are a regular part of the holiday-let book given the steady year-round and seasonal staycation flow. Lenders typically lend on underlying residential value at 70% to 75% LTV, with the holiday-let income recognised on the refinance exit rather than the bridge itself. Refurbishment to current short-let standard, including kitchen, bathrooms, soft furnishings and EPC works, is funded through the works tranche.
How do BTL lenders treat holiday-let income on refinance after a bridge?
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Specialist holiday-let BTL lenders recognise holiday-let income for stress-test purposes, typically requiring 12 months of trading evidence or a recognised agency projection. The exact rental cover and stress test varies by lender. We sequence the bridge so that by month 9 to 12 the trading evidence supports the refinance test cleanly. Where evidence is shorter, the lender pool narrows and the rate moves up, but the refinance is still achievable on the right asset.
What rate range applies to holiday-let bridging across Surrey?
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Stabilised holiday lets with strong rental evidence and a clear refinance exit price at 0.8% to 0.95% per month at 70% to 75% LTV. Refurbishment and conversion cases price 0.95% to 1.2% per month at 65% to 70% LTV. Arrangement fees are 1.5% to 2.0%. Surrey Hills AONB and Hampton Court riverside locations with year-round tourism evidence price softer than locations with a tighter seasonality pattern.
Tell us about the deal
Indicative terms within 24 hours.
A short triage call, then a sized indicative offer against a named lender for your holiday let property in Surrey or across Surrey.
Regulated bridging on owner-occupied residential property falls under FCA regulation. Unregulated bridging on commercial and investment property does not. We are not directly regulated by the Financial Conduct Authority, and we introduce regulated cases to authorised partners who carry out the regulated activity.
Next step
Talk to a Surrey holiday let bridging specialist.
We arrange short-term finance on holiday let property across Surrey and the wider South East England market. Indicative terms in 24 hours.