Airbnb Mortgages UK
Mortgages for Airbnb hosts and short-let property from £250,000
What is an Airbnb mortgage and which lenders offer one?
An Airbnb mortgage is specialist short-let finance for a property whose primary income source is bookings taken through Airbnb, Vrbo, Booking.com, Sykes or a similar online platform. It is not a separate product in its own right. It is a holiday let or specialist BTL mortgage written by a lender that accepts Airbnb-platform income evidence and permits short-stay letting on the property. The wrong mortgage on an Airbnb-let property is a breach of terms, and standard residential and standard BTL products both prohibit short-term letting outright.
Fox Davidson arranges Airbnb mortgages from £250,000+ across England, Scotland and Wales. We work with the lenders that accept two years of Airbnb host reports as the primary income evidence, the lenders that require an AST comparable rent as a fallback to support the case, and the lenders that will only consider Airbnb income alongside personal income above a stated threshold. The right route depends on how long the property has been hosting, what the platform statements show, and where the property sits regulationally.
The page that follows is the platform-specific angle. For the broader holiday let and Furnished Holiday Let mortgage picture, including the dedicated building society lenders and the post-April-2025 tax position, see our Holiday Let Mortgages service page.
Specialist UK Airbnb Mortgage Broker
Airbnb income is treated very differently from AST rent by mortgage lenders. Airbnb statements show gross booking value before cleaning, platform fees, host service fees, payment processing and VAT, which are typically 18% to 24% of the headline. Occupancy is seasonal and location-driven, and most lenders want to see at least 12 months of trading before they place any weight on the figure. A small number want 24 months. The lenders that refuse Airbnb income altogether will not be moved on the case no matter how strong the host report is.
What we have found over the last three years is that the gap between the best Airbnb-friendly lender and the worst is wider than on any other property finance product. On the same client profile and same property, we routinely see borrowing capacity vary by £150,000 to £300,000 between the building society applying AST comparable rent and the specialist BTL lender accepting trading history. Picking the wrong route first costs four to six weeks and a valuation fee, then the application has to start again somewhere else.
Platform Income Evidenced
Airbnb host reports, Vrbo statements, Booking.com partner reports and Sykes annual statements assembled and structured to lender format. Two years preferred, 12 months acceptable on the right route.
London 90 Day Rule Handled
Greater London entire-property short-letting is capped at 90 nights per year without planning permission. Standard BTL with short-let permission is the realistic route. We have placed these for years.
Hybrid Models Structured
Short-stay Airbnb in summer and medium-term let through winter on the same property. Increasingly common, and we know which lenders accept the hybrid pattern on the same mortgage product.
Leasehold Clauses Checked
Many UK flats prohibit short-letting in the lease. We flag the lease before instruction to avoid a wasted valuation, and identify the lenders that will lend where the lease silently permits short stays.
Scottish Licensing Native
Active in the Scottish short-term let market since 2013, before the 2023 licensing scheme. Direct experience of Edinburgh control area applications and Highland licensing for Airbnb hosts.
Post-FHL Tax Modelled
April 2025 abolition of the Furnished Holiday Lettings regime materially changes the personal name vs limited company position. We model both routes so your accountant can see the numbers.
Which UK lenders accept Airbnb income
The lender position on Airbnb income falls into four clear tiers in 2026. Picking the wrong tier wastes four to six weeks and a valuation fee. The right tier depends on whether the property is already trading, what evidence is available, and where the property sits regulationally.
| Tier | Treatment of Airbnb income | Typical lenders | Best for |
|---|---|---|---|
| 1. Direct trading acceptance | Two years of Airbnb host reports plus bank statements showing receipts. Income taken at net of platform fees, cleaning and voids. Stress at 125% to 145% ICR on the net figure. | Shawbrook, Paragon, Hodge and the active specialist BTL market | Properties with established Airbnb trading. Remortgages and trading-property purchases. |
| 2. AST fallback with Airbnb upside | AST comparable rent at 145% ICR is the primary test. Airbnb history accepted as supporting evidence and can lift the ICR position on borderline cases. | Cumberland, Furness, Leeds Building Society, Harpenden | Properties in genuine tourist locations where AST rent is solid. Most conservative, highest acceptance rate. |
| 3. Agent projection accepted | Written projection from an ARLA-qualified or RICS-registered letting agent in lieu of trading history. Useful on a purchase of a property not yet operating as an Airbnb. | Shawbrook, Hodge, Suffolk Building Society on the right cases | First-time Airbnb purchases where the property has been a standard residence and there is no platform history yet. |
| 4. Refuses Airbnb income | Will not lend where the income source is Airbnb or short-stay platforms. Standard BTL with AST permission only. | Most high street banks (Barclays, NatWest, Lloyds, Santander BTL ranges) | Not suitable. Confirms why standard high street BTL is the wrong route for Airbnb hosts. |
Rates and lender criteria are subject to change. Figures correct at time of publication. Always speak to your broker for up-to-date rates and lending criteria on your specific case.
The lender that solves the case is rarely the one that solves the next case. Cumberland is the building society default for Lake District, Cumbria and northern Airbnb stock. Furness is the strongest fit on coastal cottages in the North West. Hodge moves first on limited company Airbnb in city-centre flats where the lease permits short-stay. Shawbrook leads on trading-history remortgages where the host report runs to twenty pages. We hold direct business development manager relationships across these lenders and ring the BDM on any case with unusual features before instruction.
How lenders treat Airbnb income differently from traditional holiday let income
Airbnb income looks superficially similar to traditional Furnished Holiday Let income. In underwriting it is treated quite differently, and the difference is the single biggest reason Airbnb applications are declined at first attempt by lenders that would have accepted the same property on an AST comparable rent.
Traditional holiday let income, as evidenced on a Sykes or specialist agency annual statement, is reported by the agency net of agency commission, cleaning and platform costs. The figure on the statement is the figure a lender works from. Trading history is typically presented on a calendar-year basis with clear void weeks and a recognisable seasonal pattern.
Airbnb income is reported gross of every cost the host incurs. The Airbnb host transaction history shows the booking value paid by the guest, plus any cleaning fees charged by the host, plus the Airbnb host service fee that is deducted by the platform before payout. Lenders that accept Airbnb income strip these out to reach an underwriting net figure. The deduction typically runs 18% to 24% of the headline, depending on whether the host uses dynamic pricing (which often relies on the platform's own algorithms), pays for cleaning out-of-pocket or passes it to the guest, and whether VAT is registered.
What we have noticed on Airbnb remortgages is that hosts often present the gross figure to lenders, and the application is declined because the lender's stripped-back net does not meet the ICR. The fix is to model the lender's net before instruction, not after. We do this on every case as part of the lender-fit stage. Two years of host reports plus bank statements showing actual receipts paint the underwriting picture the lender wants to see.
One specific quirk worth flagging. Airbnb dynamic pricing produces an income figure that varies materially with platform demand and the host's pricing rules. Lenders running a stress-test calculation against this variable figure typically discount the top-quartile months. The lenders that price Airbnb best in 2026 use a three-year average rather than a trailing twelve months precisely because of this volatility. If your Airbnb has had a peak summer in 2024 followed by a softer 2025, the three-year approach tends to favour you.
The London 90 night rule and what it means for your mortgage
Section 44 of the Deregulation Act 2015 limits entire-property short-term letting in Greater London to 90 nights per calendar year. Above 90 nights, the property is treated as a material change of use and requires planning permission from the local authority. Most London councils take a strict view on enforcement, and Airbnb itself caps entire-home listings in Greater London at 90 nights through its platform-level controls. The 90-night cap is the single most important regulatory fact for any London Airbnb mortgage application.
The cap applies to entire-property lettings. It does not apply to letting an individual room while the host remains in residence. The cap also does not apply if the property has formal planning permission for short-stay use, which a small number of London properties do hold (typically in specific zones, after expensive applications). For the overwhelming majority of London Airbnb hosts, the 90-night limit is the operating reality.
Dedicated holiday let mortgages on London property are therefore rare. The traditional holiday let lender base assumes the property is let commercially throughout the year. A property capped at 90 nights cannot generate the income a holiday let lender wants to underwrite. The realistic route on London short-lets is a standard buy-to-let mortgage from a lender whose terms permit short-stay letting within the 90-night cap. The mortgage is then evidenced by an AST comparable rent figure, with the short-stay income treated as the upside.
The lenders we work with for this in 2026 are the specialist BTL lenders that do not exclude short-let income outright, alongside a small number of building societies whose mortgage terms specifically permit the 90-night use. The Council of Mortgage Lenders and UK Finance have published guidance in 2024 and 2025 on the treatment of short-stay let income in London, and the practical effect has been a gradual loosening of lender appetite for the 90-night cap product over the past three years.
The case we find hardest to place in London is the host who is operating significantly above 90 nights. The income is strong, but the use is non-compliant, and most lenders will decline once the host report runs to 200+ nights in a year. Borrowers in this position need to either rebuild operations to comply or apply for change of use planning permission first.
The hybrid Airbnb model: short stays plus medium-term lets
The fastest-growing pattern we see in 2026 is the hybrid model. The property runs as a short-stay Airbnb during peak demand months, then converts to medium-term let (28 to 90 nights typical, often through Airbnb's own platform or through providers like SpareRoom Pro and Sykes corporate) through the shoulder and off seasons. Owners pick up steadier monthly income through the quiet months while still capturing peak short-stay rates over summer and Christmas.
From a mortgage perspective, the hybrid pattern is straightforward if the lender accepts it. From a tax and regulatory perspective it sits in a more delicate position. The lenders that lend cleanly on hybrid Airbnb in 2026 are Shawbrook, Hodge and certain Paragon products, all on the basis that the property is let on a commercial basis throughout the year and the borrower can evidence the pattern through platform reports. Most building societies treat the hybrid as a holiday let if more than 50% of let weeks are short-stay, and as a standard AST if not.
Two things matter when structuring a hybrid application. First, the income evidence has to separate short-stay nights from medium-term let nights cleanly. Airbnb host reports will do this for you if you download them carefully. Second, the lender's product terms have to permit both letting types. The wrong product permits one and excludes the other, and we have seen cases declined on technicalities where the borrower thought the hybrid was permitted but the small print said otherwise.
Hybrid is particularly common in university cities, where September-to-May medium-term lets to visiting academics and PhD students sit alongside summer Airbnb stays. Bath, Cambridge, Edinburgh, Oxford and York all show this pattern strongly. The Scottish licensing scheme treats hybrid use as short-term letting if any week is let short-stay, so Edinburgh hybrid hosts need a full short-term let licence regardless of the medium-term split.
How Fox Davidson arranges your Airbnb mortgage
Airbnb applications take longer than standard BTL because of the specialist underwriting and the platform income evidence requirement. Allow six to ten weeks from instruction to offer.
Step 1: Lease and regulatory check
Before any credit search or valuation, we check three things. The leasehold position if the property is a flat (does the lease permit short stays, are there sub-letting restrictions). The local authority position (London 90-night cap, Scottish short-term let licence, Welsh 252/182 rule, English Article 4 zones in Bath, Brighton and Cornwall). The building insurance position (standard residential cover voids on short-let use; the property needs a specialist short-let policy at completion).
For a London property where the host wants to operate above 90 nights, we identify whether planning permission for change of use is already in place. If not, the realistic mortgage route is a standard BTL with short-let permission up to 90 nights, not a dedicated holiday let product.
Step 2: Platform income evidence and lender fit
For a property already trading on Airbnb, we gather the host report covering the trailing 24 months, bank statements showing actual receipts, and any annual accounts if held in a limited company. Income is presented net of platform service fees, cleaning costs, payment processing fees and VAT, in the format the chosen lender uses. We then identify the two or three lenders whose criteria fit best, considering location, property type, ownership structure (personal name or SPV) and which of the four lender tiers above the case falls into.
For a property being purchased to operate as an Airbnb for the first time, we commission a written projection from an ARLA-qualified or RICS-registered letting agent active in the local Airbnb market, showing realistic weekly rates across low, mid and high season weighted across 30 to 32 weeks of trading. This unlocks the Tier 3 lender route where Tier 1 trading-history acceptance is not yet available.
Step 3: Application, valuation and completion
The lender instructs a surveyor familiar with the local short-let market. The valuer confirms the property is of standard construction, comments on the short-let income evidence, assesses market rent on both AST and short-stay bases where required, and reports any defects. Surveyors in established short-let towns (Edinburgh, Bath, York, Bristol, Brighton) generally engage with Airbnb evidence well. Surveyors in marginal short-let locations sometimes default to AST and the lender then applies AST-comparable assessment.
Typical Airbnb mortgage underwriting sits at three to five weeks on specialist BTL lenders and four to six weeks on the building society side. Total six to ten weeks from instruction to formal mortgage offer on a well-prepared case. Conveyancing and completion add a further three to six weeks. Scottish applications add the short-term let licence evidence at offer stage and add one to two weeks where Edinburgh control area planning is involved.
£395,000 Bath flat, three years of Airbnb trading history
A 2025 case arranged by Fox Davidson, anonymised. Client was a 47-year-old higher rate taxpayer with main employment income of £95,000 and an existing two-property BTL portfolio. The target property was a two-bedroom first-floor flat in central Bath with three full years of Airbnb trading history through the seller's hosting account, priced at £395,000. The Airbnb host report showed gross booking value of £38,400 in 2023, £41,200 in 2024 and £43,600 in 2025, averaging £41,067 over the three years.
The host report figure was the gross paid by guests. After Airbnb host service fees (3% of booking value), cleaning fees passed to the cleaning contractor (£32 per turnover, approximately £2,300 per year), and the platform payment processing margin, the underwriting net came out at £36,100 averaged across the three years. We presented the application on the three-year average, not the trailing twelve months, which favoured the case because 2024 was the strongest year.
The application was structured through a newly-incorporated SPV on tax advice from the buyer's accountant, reflecting the post-April-2025 Section 24 position. Deposit was £98,750 (25%), plus SDLT of £29,150 (residential rates with the 5% additional dwellings surcharge, paid by the company) and conveyancing, valuation and arrangement fees of approximately £8,200.
The lender chosen was Shawbrook, using Tier 1 direct trading acceptance with the three-year host report. At £36,100 net annual income against a £296,250 loan at 5.84% on a 5-year fixed rate, the ICR sat at 142% on the lender's 125% at 5.5% limited company requirement. Valuation confirmed £398,000 and noted the strong short-let market in central Bath. Mortgage offer issued seven weeks after application. The leasehold check at Step 1 confirmed the lease silently permitted short stays (no express prohibition), which we then evidenced to the lender at instruction stage.
The Article 4 direction in Bath was a live regulatory factor on the case. The flat had been used as a short-let prior to the Article 4 commencement date in the area, which gave it established existing-use rights. We provided the lender with the local authority's planning history confirmation as part of the application pack. Without that history, the lender would have required a change-of-use planning application before commitment, which would have added three to four months to the timetable.
Leasehold, insurance and council tax: three things that derail Airbnb mortgages
Three operational issues sit alongside the headline mortgage decision and derail more Airbnb applications than the lender criteria themselves. Catching these at Step 1 saves the wasted valuation fee, the four weeks of underwriting, and the broker fee that goes with starting again at a different lender.
Leasehold short-let clauses
Most UK long leases on flats include restrictions on letting. The standard clauses cover sub-letting, business use and "use other than as a private residence", and many leases expressly prohibit any letting on a term of less than six months. Some prohibit Airbnb-style short stays by name. The freeholder's consent to short-letting is often required, sometimes for a fee. We have seen applications fail at the conveyancing stage after the mortgage offer because the lease check turned up a prohibition that was missed at instruction.
What we tell clients buying flats for Airbnb: get the lease checked first, before the offer is made. Have the solicitor flag any clause that touches sub-letting, business use, or short-stay letting. The lenders that lend on short-let flats want to see a positive lease position (express permission or silent on the point), not an active prohibition.
Building insurance void on Airbnb
Standard residential building insurance does not cover short-let use. Most policies void cover if the property is let to anyone on a stay shorter than six months, and any claim during a short-let stay is typically rejected as a result. Standard BTL building insurance is similar. Airbnb hosts need a specialist short-let insurance policy, such as those offered by Schofields, Pikl and certain Lloyd's syndicates, which cover building, contents, guest liability and host-specific risks. The premium is typically 2x to 3x the standard residential equivalent.
Lenders verify the building insurance position before completion and require evidence the policy is short-let compliant. Completing on standard residential cover and switching afterwards is technically a breach. Get the right cover from completion day.
Council Tax vs Business Rates
In England, a property let as a short-let for at least 70 days in the trailing 12 months and available for letting for at least 140 days qualifies to switch from council tax to non-domestic business rates. In Wales the threshold is 182 nights let and 252 nights available. In Scotland short-let licensed properties typically remain on council tax. The switch can produce material tax savings on smaller properties because business rates qualify for small business rate relief.
Most lenders accept either basis but want to know which applies at application. Hosts switching from council tax to business rates mid-mortgage need to flag this to the lender. The valuation and the mortgage terms are unaffected, but the income figure visible in bank statements changes (council tax goes, business rates come in), and lenders running an annual review may query the change.
Run the numbers
Before you approach a lender, model the qualification position and the stamp duty cost so you know which route applies and the all-in price. Airbnb purchases attract the 5% additional dwellings surcharge alongside standard SDLT.
HNW Mortgage Qualification Calculator
the FCA high net worth definition test. £300,000 income or £3,000,000 net assets. Many Airbnb portfolio hosts qualify on the assets test which unlocks the private bank route.
Open CalculatorUK Stamp Duty Calculator
SDLT residential rates with 5% additional dwellings surcharge for England, LBTT with 8% Additional Dwelling Supplement for Scotland, LTT with higher rates surcharge for Wales.
Open CalculatorSpeak to an Airbnb mortgage specialist
Contact Fox Davidson for specialist Airbnb mortgage advice. We arrange short-let finance from £250,000+ across England, Scotland and Wales, including London 90-night cap properties, Scottish short-term let licensed properties and hybrid Airbnb plus medium-term let models.
Why a specialist broker matters on Airbnb mortgages
Airbnb mortgages are a narrow specialist market sitting on top of an already specialist holiday let market. The active Airbnb-friendly lender list is small, the income evidence requirement is precise, and the regulatory landscape varies across London, Scotland, Wales and the English Article 4 zones. The broker who knows which underwriter at which lender accepts Airbnb host reports as primary evidence, which lender wants AST comparable rent as a fallback, and which lender will not entertain Airbnb income at any price is the broker who places the deal at first attempt.
According to UK Finance, specialist BTL lending including holiday let and short-stay has accounted for a growing share of UK landlord lending since 2022, as the serious end of the market has restructured under Section 24 and the April 2025 abolition of the Furnished Holiday Lettings tax regime. The Department for Levelling Up, Housing and Communities consultation on a statutory short-term let registration scheme for England is expected to commence implementation during 2026 or 2027, which will further professionalise the market and tighten lender expectations on regulatory evidence at application.
Indicative rates and lending metrics. Rates and criteria vary by lender, scheme type, location, ownership structure and borrower profile. The Financial Conduct Authority does not regulate some forms of buy-to-let mortgage. Speak to us for figures specific to your case.
Frequently Asked Questions
Can I get a mortgage on a property I want to let on Airbnb?
Yes, on the right lender. Standard residential and standard buy-to-let mortgages prohibit short-term letting and using either on an Airbnb property is a breach of terms. The correct product is a specialist holiday let or short-let buy-to-let mortgage from a lender whose criteria permit Airbnb-style short stays. The active specialist lender list includes Cumberland, Leeds, Furness, Harpenden, Shawbrook, Paragon and Hodge among others, with each lender treating Airbnb income differently. Picking the right lender for your specific property is the broker's job.
Which UK lenders accept Airbnb income as proof of affordability?
Lender treatment falls into four tiers in 2026. Tier 1 lenders accept Airbnb host reports directly as the income evidence, typically requiring 24 months of trading history (Shawbrook, Paragon, Hodge and the active specialist BTL market). Tier 2 lenders use AST comparable rent as the primary test and accept Airbnb history as supporting evidence (Cumberland, Furness, Leeds and the building society lenders). Tier 3 lenders accept an ARLA or RICS agent projection in lieu of trading history on new Airbnb purchases. Tier 4 lenders refuse Airbnb income altogether and lend on AST income only (most high street BTL ranges).
How many years of Airbnb trading do I need to remortgage onto an Airbnb mortgage?
Most specialist BTL lenders that accept Airbnb income directly require 24 months of trading history. A small number will accept 12 months if the host report is strong, occupancy is consistent and the property sits in an established short-let location. Building society lenders that take Airbnb history as supporting evidence (rather than primary) typically accept 12 months. Borrowers with less than 12 months of trading are usually best routed through an agent projection at Tier 3.
How does the London 90 night rule affect my Airbnb mortgage?
The Deregulation Act 2015 caps entire-property short-letting in Greater London at 90 nights per calendar year without planning permission for change of use. The cap is enforced by Airbnb at the platform level for entire-home listings. Dedicated holiday let mortgages are therefore rare on London property. The realistic route is a standard buy-to-let mortgage from a lender whose terms permit short-stay letting within the 90-night cap, with the mortgage assessed on AST comparable rent and the short-stay income treated as upside. London hosts operating above 90 nights without planning permission are operating non-compliantly and most lenders will decline the application.
Can I run a hybrid Airbnb model under one mortgage product?
Yes, on the right product. The hybrid model (short-stay Airbnb in peak months, medium-term let in shoulder and off seasons) is increasingly common in university cities and tourist regions. Specialist BTL lenders including Shawbrook, Hodge and certain Paragon products lend cleanly on hybrid use, on the basis that the property is let on a commercial basis throughout the year. Most building societies classify hybrid use as holiday let if more than 50% of let weeks are short-stay, and as standard AST if not. Income evidence has to separate short-stay nights from medium-term let nights cleanly at application.
Does my flat's leasehold permit Airbnb short letting?
Many UK long leases on flats restrict or prohibit short-term letting. The relevant clauses typically cover sub-letting, business use, and use other than as a private residence. Some leases prohibit letting on terms shorter than six months by name. The freeholder's consent may be required and may attract a fee. We strongly recommend a leasehold check before instruction. Lenders that lend on short-let flats want to see a positive lease position (express permission or silent on the point), not an active prohibition. Active prohibition usually means the lender will decline regardless of the income strength.
What insurance do I need for an Airbnb property?
Standard residential building insurance does not cover short-let use and any claim during a guest stay is typically rejected. Standard BTL building insurance is similar. Airbnb hosts need a specialist short-let policy from providers such as Schofields, Pikl or Lloyd's-backed specialist underwriters, covering building, contents, guest liability and host-specific risks. Premiums typically run 2x to 3x the standard residential equivalent. Lenders verify the building insurance position before completion and require evidence the policy is short-let compliant. Completing on standard cover and switching afterwards is a breach of mortgage terms.
Has the FHL tax regime really been abolished?
Yes. The Furnished Holiday Lettings tax regime was abolished from 6 April 2025. Airbnb income is now taxed on the same basis as standard residential rental income, with Section 24 mortgage interest restrictions applying to personal name owners, no capital allowances on furniture and fittings, no pensionable earnings status, and standard residential CGT rates on disposal. The practical effect for Airbnb hosts has been a shift toward limited company ownership for new acquisitions by higher rate taxpayers, because companies retain full mortgage interest deductibility against corporation tax.
Do I need a short-term let licence for a Scottish Airbnb?
Yes. All Scottish short-term let operators have required a licence from the local authority since 1 October 2023 under the Civic Government (Scotland) Act 1982 short-term lets licensing scheme. Edinburgh also requires planning permission for change of use to short-term letting in its declared control area, which covers most of the city centre. Mortgage lenders require evidence of a valid licence or a licence application with local authority confirmation before issuing a holiday let offer on any Scottish property. Hybrid hosts are caught by the licensing scheme if any week is let short-stay.
Can I get an Airbnb mortgage as a first time landlord?
Yes, but fewer lenders accept first-time landlord applications than experienced landlord applications. First-time Airbnb buyers usually need 30% to 35% deposit, minimum personal income of £25,000 to £40,000 evidenced separately, and a credible business plan covering the operational side. The specialist BTL lenders that accept first-time landlords on Airbnb are Shawbrook, Hodge and certain building societies. The agent income projection route at Tier 3 is the typical entry point because there is no trading history to evidence yet.
What deposit do I need for an Airbnb mortgage?
The standard minimum deposit is 25% of purchase price, corresponding to 75% maximum loan to value. A small number of specialist lenders will consider 80% LTV (20% deposit) on strong cases with established trading history in tourist locations. Properties in marginal short-let locations, converted barns or annexes, Scottish properties in Edinburgh or Glasgow control areas, and first-time landlord applications typically require 30% to 35% deposit. Limited company purchases sometimes carry a slightly higher minimum deposit than personal name equivalents.
Why use Fox Davidson for an Airbnb mortgage?
Airbnb is a specialist niche within a specialist holiday let market. The active Airbnb-friendly lender list is narrow, the income evidence requirement is precise, and the regulatory framework varies meaningfully across London, Scotland, Wales and English Article 4 zones. Fox Davidson has arranged holiday let mortgages since 2013 and has direct business development manager relationships with the Airbnb-friendly lenders. We structure the platform income evidence to the chosen lender's format before instruction, check the leasehold and regulatory position at Step 1, and handle Scottish licensing, Welsh 252/182 evidence and London 90-night compliance natively.