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A holiday house is a beautiful liability disguised as an asset. Between rates, insurance, maintenance and the weeks it sits empty, most owners subsidise their own beach house heavily — even with short-stay rental income. This guide helps you cost the dream honestly: what lenders require for second homes, whether rental income can offset the loan, and the difference between a holiday home you can afford and one that quietly owns you.
affordability report
Often yes — 20-30% is common for second homes, and rental income is usually only partially counted by lenders.
Short-stay income can help, but lenders discount it heavily and you pay tax on it — model it conservatively.
As an investment, usually mediocre; as a life decision, sometimes priceless. Just don't confuse the two.
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