Residential mortgage with AirBnB annex in the UK (looking for advice and experiences)

[Bjorn43]

Hello

I'm looking for some advice / experiences of others.

We are looking to purchase a house with a granny flat extension (separate front-door but with an internal door to main house, so not a separate building) that is used by current owners as a successful AirBnB holiday apartment.

We're keen to continue with the holiday apartment via AirBnB to supplement our income (although we don't need the extra income to pass mortgage affordability checks).

What kind of mortgage would be recommended in this scenario?

Based on my own research there are a few lenders (Metro, Barclays, Lloyds, Halifax, maybe more?) that allow 90 or 112 days of letting under AirBnB with a residential mortgage. Are there other mortgage types (holiday let or buy-to-let or bespoke) that we should consider? Are there other lenders that offer more than 90 or 112 days letting with a residential mortgage?

Our current lender is Santander and we'd prefer to stay with them to avoid ERCs of c.£7k but it's not clear if they would consent to us letting the annex out as a holiday let via AirBnB (or if they would, under what conditions). Keen to hear experiences from people in a similar situation with Santander who have applied for consent and had that accepted or rejected.

Also, we're thinking to enlist an adviser to help scan the market for us. Does anyone know of an adviser that has experience, or even specialises, in this sort of scenario?

Any other suggestions/recommendations would be greatly appreciated.

Thanks!

[Mike-And-Jane0]

@Bjorn43 Another thought for you: As you can access the space from your house I believe it counts under the government rent-a-room scheme. If it does then you may not need to get the permission of the mortgage company (or if you do ask about the rent-a room scheme and see if it is allowed). Do get proper insurance though.

Sadly you have just missed out on the multiple dwelling stamp duty relief and the FHL benefits will be lost next year so rent-a-room will give you a chunk of tax free income.