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Serviced Accommodation Mortgages: Is SA Investing Worth It?

Higher income potential, tighter rules.

Serviced Accommodation Mortgages: Is SA Investing Worth It? Mortgages & Property Finance

Updated October 2026 · Fraser Bond

Mortgages · Serviced accommodation

Serviced accommodation mortgages

Lendersholiday let
90 nightsLondon
FHLabolished
Incomecalculator
In short: Serviced accommodation (SA) lets furnished homes by the night, often via booking platforms. Some lenders offer holiday let or SA mortgages, assessing projected short-let income, usually with larger deposits and stricter criteria than buy-to-let. In London, whole homes can be let short term for only 90 nights a year without planning permission, which limits SA models. The special furnished holiday let tax regime was abolished from April 2025, so SA profits are now taxed like other lettings. Check leases, which often ban short lets.
SA income estimate
Net income per year–

90 nights is the London limit without planning permission.

Frequently asked questions

Can I do SA in London?

Up to 90 nights a year for whole homes without permission.

Is FHL tax relief still available?

No, abolished from April 2025.

Compare with a long let?

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