Holiday Let and Airbnb Mortgages around Hove and Shoreham-by-Sea – Rules, Yields and Lender Criteria 2025

Coastal stays remain in demand across Hove, Southwick and Shoreham-by-Sea. If you plan to operate short-term lets, you will usually need a holiday let mortgage, not a standard buy-to-let.

How holiday let mortgages differ

• Income assessment – based on projected holiday rental income, not AST rent
• Minimum deposit – typically 25 percent, sometimes more for flats
• Personal use – limited owner stays are usually allowed within lender rules
• Property type – leasehold flats may require explicit permission for short-term letting

What lenders want to see

• Evidence of local demand and achievable nightly rates
• Letting agent appraisals or your own robust projections
• Good EPC – coastal guests value comfortable year-round stays
• Suitable insurance for holiday letting

Local notes on yields and seasonality

• Hove seafront and West Hove command strong summer tariffs, with steady shoulder-season bookings
• Southwick and Shoreham-by-Sea offer better purchase prices and easier parking, boosting net yield
• If your property is within a managed block near the promenade, check the lease for short-let restrictions

If you would like a side-by-side comparison of buy-to-let versus holiday let outcomes for a Hove property you have in mind, send the basics via our contact page.