Spreading The Cost Of Holiday Home Ownership
Three honest routes to ownership, plus the figures that make them real.
For most buyers, the practical question is how rather than whether. The good news: holiday home finance is a well-trodden path, and the lenders we work with deal with it every day.
Our role is to lay out the options plainly. We don’t push a single product, we don’t pretend the rate is special when it isn’t, and we’ll happily show you the maths before you commit to anything.
Three Routes To Ownership
What Could Your Monthly Payments Look Like?
What You’ll Need For An Application
• Photo ID — passport or driving licence
• Proof of address — recent utility bill or bank statement
• Three months’ bank statements (or pension statements if applicable)
• Proof of income — payslips, tax returns or pension paperwork
• Deposit — typically 20% of the purchase price, available on completion
How long does the finance process take?
From application to approval, usually 7–14 working days with a specialist lender. We'll line everything up alongside your reservation so there's no waiting around at the end.
Will applying affect my credit score?
Most specialist lenders perform a soft search initially, which doesn't affect your score. A full application includes a hard search; we'll always tell you which stage you're at.
Can I overpay or settle the loan early?
Most holiday home loans allow overpayments and early settlement. Terms vary by lender — we'll talk you through the small print before you sign.
Do you charge a fee for arranging finance?
No. Three Lochs introduces buyers to lenders at no cost. The lender's own fees (arrangement, administration) sit on the loan — they're disclosed up front.
