More than 95% of mortgage contracts
don't allow holiday lets

CopoFi provides BTL financing for Airbnb/Homeaway/Wimdu hosts

Why CopoFi?


Copofi allows you to decide the term of your tenancy; be it 1 day or 18 months allowing you to let out on holiday or traditional let basis

Comparable Rates

We are working with our finance partners to ensure we offer competitive Buy-to-Let mortgage rates.

Customised Lending Solutions

No one-size-fits all approach. We consider holiday rental income as part of the application, that no High Street bank does

  • “If your property has a mortgage (or any form of loan secured against it) you should check that there is no prohibition against subletting, or any other restrictions against hosting.”
    — April 2017
  • “Home owners letting a property directly run the risk of invalidating the terms of their mortgage, meaning that in a worst-case scenario a lender could ask for full repayment.”
    — June 2016
  • “Most lenders do not allow borrowers to offer short-term lets on their properties, whether on an owner-occupied or buy-to-let mortgage” said Bernard Clarke, spokesman for the Council of Mortgage Lenders (CML), which represents 97% of the industry.”
    — December 2016
  • “Landlords who use short-let websites to find tenants may be in breach of their mortgage regulations.”
    — October 2016

How it works

1. Loan Application received

Copofi will underwrite the mortgage for a dual purpose, traditional and holiday rental income.

2. Sympathetic and Fast process

We understand landlords needs and look holistically at their situation. Don’t worry we will still be quick!

3. Mortgage advanced

Once approved the landlord can take in tenants on a short or long term basis. We don’t do silly stipulations.

Register for free

We'll also check whether your current lender allows holiday lets.
Don't worry, your information will remain private and confidential.