How to structure your holiday let investment

Whether you're just starting out or managing a growing portfolio, one thing is clear: every holiday let business is unique. From ownership structures to financing needs, there’s no one-size-fits-all approach. That’s why understanding how your holiday let investment is structured can have a significant impact on your long-term success (writes Howard Reuben, Principal, HCH Financial Services).

At HCH Financial Services, we work closely with trusted partners to help you navigate the complexities of holiday let financing, insurance, and strategic growth – no matter how simple or complex your current set-up may be.

Who are you as a holiday let investor?

Your investment structure may look very different depending on your circumstances. You might be:

• An individual holding property in your personal name

• A limited company investor

• A trust or offshore entity

• A UK-based landlord, UK expat, or international investor

• Managing a single property or a multi-unit portfolio

• Letting through Airbnb, Booking.com, Sykes Holiday Cottages, or other channels

  
  

Whatever your position, your financing and insurance strategies should reflect your unique goals.

What we offer holiday let owners and property investors

We provide access to specialist advice, funding solutions, and tailored insurance strategies to help you grow and protect your holiday let business. Our expert partners work with a wide range of clients to offer:

• Strategic reviews of your current set-up

• Access to high-value lending lines and flexible finance options

• Property insurance tailored to holiday lets and short-term rentals

• Bespoke solutions for individuals, companies, trusts, and offshore entities

  
  

Specialist holiday let financing – what’s available?

Did you know we work with lenders who offer flexible and competitive terms for short-term rental investors?

Key highlights include:

• Loan sizes from £150,000 to £10 million

• Up to 75% loan-to-value (LTV)

• Fixed and tracker rate options over 2, 3, or 5 years

• First-charge lending with completions in as little as 10 days

• Up to £3 million per property and £10 million+ for portfolios

• Suitable for first-time and experienced investors

• Flexible options like rolled/deferred interest, top slicing, and refurbishment support

• Lending for a wide range of property types: apartments, cottages, luxury villas, Airbnb units, and more

• Available for individuals, limited companies, expats, foreign nationals, trusts, and offshore structures

  
  

Let’s build a strategy that works for you

Whether your structure is simple or complex, your business deserves a bespoke financing and insurance solution that supports your ambitions. We’re here to help you unlock capital, reduce risk, and grow confidently.

Ready for a personalised review of your options?

Contact our trusted advisors: advice@hchfs.com