Type of mortgages UK

[Max2704]

Hi, 

I am looking to buy my first home and list it on airbnb. However, I would like to stay in my home when work permits. My question is, when applying for a mortgage should I be applying for a buy-to-let mortgage or a standard mortgage? I have read about the 140 day limit of stays, does this mean that as long as I don't go over that threshold I can list my home on a standard mortgage rather than a buy to let? 

Any help would be appreciated, 

Thanks Max!

[Helen3]

No you need to apply for a holiday let mortgage @Max2704 

Buy to let mortgages are for long term rentals . A standard mortgage is when you live in the property permanently.

[Rebecca]

Hi there @Max2704 👋

How did you get on when looking for your first property and mortgage? 

[Hannah1391]

Holiday let mortgages are something specific. Have a read of holidaycottagemortgages

Good luck!

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