Serviced Accommodation

What Is Serviced Accommodation Finance?

Serviced accommodation (SA) refers to properties let on a short-term basis, typically through platforms like Airbnb, Booking.com, or your own booking system. These can include apartments, houses, or even converted outbuildings.

Not all lenders accept serviced accommodation, but those that do often recognise the higher income potential compared to traditional buy-to-let. We work with specialist lenders who understand this market.

Who Is This For?

• Investors purchasing properties for Airbnb or short-term letting
• Holiday let owners looking to refinance
• Landlords converting from AST to serviced accommodation
• Part-time SA operators (let when away from main residence)
• Portfolio investors building short-term let portfolios

Key Considerations

Serviced accommodation requires careful planning. Lenders will want to understand your letting strategy, projected occupancy rates, and how you'll manage the property. Some key points:

• Many lenders require evidence of potential rental income
• Planning permission may be required in some areas
• Insurance requirements differ from standard buy-to-let
• Tax treatment can be advantageous (Furnished Holiday Let rules)