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Holiday Let Mortgage – Client Case Study

Emma & Ashley have been Mortgage 1st clients for many years now, we arranged their residential mortgage in 2019 on their new family home just before they welcomed their daughter Ella into the world. 

More recently, in 2022 we secured a Holiday Let Mortgage for them as an investment and an exciting new project- a traditional fisherman’s cottage in the seaside town of Filey. Both Emma & Ashley grew up visiting the North East Yorkshire coastline as children and have fond memories of the area. 

1800’s Fishermans Cottage, Filey

Applying for a Holiday Let Mortgage is never straight forward but add to that additional post pandemic complications. As Emma & Ashley are both self-employed and work in industries that were sadly affected by the lockdowns and covid restrictions there were extra hurdles to overcome. 

Their Adviser Shaun Burke worked hard on their application and with regular client and lender communications he secured their mortgage offer in only 3 weeks followed by full completion a further 6 weeks later! 

Emma & Ashley collected the keys in the summer of 2022 and renovation work on Pebbles Cottage began. They planned to fully restore the 2 bedroom character cottage with a combination of traditional features and luxury interiors. 

Alongside running their businesses, taking care of their daughter and now a full renovation project, they certainly had a busy few months ahead! 

Take a look at Pebbles Cottage where Emma & Ashley shared their journey as they transformed the dated cottage into a luxury holiday let. 

We followed the updates and are delighted to have played a part in securing not only their new project and own holiday home but also a lucrative long-term investment. 

“We owe a massive thank you to our adviser Shaun and the team at mortgage 1st. It certainly wasn’t a straight forward application, at one point we really thought it wasn’t going to go through and if it wasn’t for Shaun I don’t think we would have secured the property. He was fighting our corner throughout! Thank you Shaun and the whole team at Mortgage 1st, we are over the moon to have the keys and are excited to become Holiday Let Landlords!”

Emma & Ashley Layton

It’s now February 2023 and their beautiful holiday cottage has been fully restored and has already welcomed its first paying guests. The cottage is unrecognisable! 


We’d like to thank Emma & Ashley for allowing us to share their story and wish them and Pebbles Cottage all the best.