Technically a holiday home is classed as a second home and if you are not planning to rent out the holiday home, you can apply for a standard mortgage for a second home.
If you are already paying for a mortgage on a property, getting another mortgage, which is often called a second home mortgage, can be subject to tighter lending rules and affordability assessments to ensure you can keep up with two mortgage repayments.

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Unlike a typical buy to let mortgage property, holiday lets usually have multiple occupants throughout the year, each staying for a short period of time for their holidays.
Many of the high street banks and building societies do not offer mortgages for holiday lets, even if they offer standard buy to let mortgages, as holiday let mortgages represent a different type of risk. This is because there is no guarantee that the holiday property will have guests renting it all year round, due to peak season and low season fluctuations. As a result your monthly rental income is unlikely to be consistent month to month, whereas, with a standard buy to let mortgage, you usually only need to find one tenant who will commit to a monthly rental for a twelve month tenancy period.

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A longer term tenancy provides more assurance to the lender that you would be able to repay the monthly mortgage repayments, hence Holiday Let mortgages are subject to additional checks by the lender to assess the holiday letting market in the area of the property in terms of how many weeks of the year you can expect to let the property and the average rental rates to ensure you can keep up with repayments. To safeguard against this risk, the lender may require a larger deposit than with a standard mortgage and typically this is around 25% of the property value.

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Finally, if you run your holiday let as a business, it is advisable to speak to your accountant as you may be eligible for tax

relief.