Second Home Mortgages
A second property means a larger deposit, tighter affordability checks, and a 5% stamp duty surcharge.
Why second home?
Buying a second home in the UK — whether as a holiday retreat, a base for work, or a property for family — requires a specialist mortgage. Lenders treat second home purchases differently from primary residences, typically requiring larger deposits and applying stricter affordability checks because you’ll be maintaining two properties simultaneously.
You’ll also need to factor in the stamp duty surcharge. Since April 2016, buyers purchasing an additional residential property in England and Northern Ireland pay a 5% surcharge on top of the standard stamp duty rates. This adds significantly to your upfront costs and is an important part of your financial planning. Use our [stamp duty calculator](/calculators/stamp-duty) to see exactly how much the surcharge will cost you.
At Clearview Mortgage Solutions, our advisers have extensive experience helping clients secure second home mortgages. We’ll explain the costs, find lenders who specialise in this area, and guide you through the process from start to finish.
Key facts
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Your next moves.
The shortest path from where you are to a real mortgage offer.
Estimate your monthly cost and how much you could borrow with our second home calculator.
Open calculatorRun the numbers.
Read the guides.
Explainers covering deposits, schemes, the application, and what lenders actually look for.
Guides about Second Home mortgages
A guide to second home mortgages
Everything you need to know about buying a second home, from deposits and affordability to lender requirements and running costs.
ReadStamp duty surcharge on second homes
How the additional property stamp duty surcharge works, how much it costs, and whether any exemptions apply to your situation.
ReadHoliday let mortgages
How holiday let mortgages differ from standard second home mortgages, rental income rules, and tax considerations for holiday lets.
Read
Frequently asked.
Most lenders require a minimum deposit of 15% to 25% for a second home mortgage. The exact amount depends on the lender and your overall financial profile. A larger deposit of 25% or more will typically give you access to better interest rates and a wider choice of lenders.
Talk to a specialist.
second home mortgages have their own quirks. Our CeMAP-qualified advisers compare 90+ UK lenders and explain how each one applies to you — no obligation.
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