Your Village Mortgage Broker
Why choose us?

We are more than just mortgage brokers

Owning a holiday home is a dream many Aussies share, but it has some unique considerations. Your Village Mortgage Brokers are here to guide and support you every step of the way. 

We’ll help you navigate through your home loan options and we can work closely with your lawyers and accountants to ensure you get consistent, well informed guidance at every turn.

As always, our aim at Your Village Mortgage Brokers is to provide you with the insights that you need to confidently make decisions that are in your best interest.

So you can you get on with focusing on making unforgettable holiday memories.

A personal approach

Holiday Home Loan Solutions

Purchasing a holiday home is a very personal consideration. Family and lifestyle factors tend to play a larger part than in purchasing a property purely for investment purposes.

We can help you discuss and balance these considerations so that your dream holiday home doesn’t turn into a nightmare. It can be helpful to have someone by your side to ensure a very objective viewpoint.

We can let you know the specific requirements that home lenders will have relating to holiday homes and help you make your most informed decision, based on your financial situation and goals.

Our promise

Tailored Solutions for Your Needs

At Your Village Mortgage Broker, we recognize that every first home buyer has unique requirements. Our approach is personalised to your specific circumstances and goals. 

  • Concerned about your credit score?
  • Uncertain about how much deposit you need?
  • How much is Stamp duty?
    What is lenders mortgage insurance and how much will I need to pay?
  • Curious about the First Home Buyers Grant?

We have the expertise to provide you with informed guidance that has your best interests at heart every step of the way.

Holiday Home Finance

Key things for you to consider

Some lenders put restrictions on how holiday homes can be used. Holiday homes can be considered a higher risk because they might be vacant for extended periods or used for short-term rentals (e.g., Air BnB). Some lenders might put limitations on how often you can use the property or how long you can rent it out.

As with any property, the location will impact its market value and any potential rental income. Lenders might consider the property's attractiveness to tourists, its proximity to attractions and its historical rental income during peak seasons when assessing your home loan application.

The property market in holiday destinations can be more volatile than in purely residential property markets. Lenders will likely take this into account when evaluating your property's value.

Holiday homes can require more maintenance than your family home because they may be left unoccupied for substantial periods and may suffer more ‘wear and tear’ if used for short-term rentals. Lenders will likely include your ability to cover higher regular maintenance costs in addition to your required home loan re-payments.

If you are planning on renting out your holiday home, you will most likely need a local property manager, experienced in managing short-term/holiday rentals. This is especially important if your holiday home is a fair distance from your primary residence. Your lender will likely consider this additional management cost when deciding whether to offer you a loan for your holiday home.

Because some lenders consider Holiday Homes a higher risk, they can have stricter LVR requirements compared to home loans for your primary residence. That means you might need a larger deposit to secure a home loan for your holiday home.

Interest rates offered by some lenders can be higher on loans for holiday homes.

It is important to understand relevant local regulations. For example, there may be specific zoning laws or specific property taxes that could affect your ability to use the property and generate income. We are not tax experts and cannot provide tax advice but we feel that it is important to highlight that different locations may have different rules and laws affecting your holiday home, which you may need to consider.

Some lenders might require holiday homes to have special insurance coverage to protect their interests due to potential vacancy rates and any short-term rental usage.

Owning a holiday home can have different tax implications for different people. We strongly advise that you obtain independent tax advice from a qualified, tax professional prior to making final decisions.

It’s always a good idea to consider your ‘exit strategy’ for the day you may no longer want or need your holiday home. Lenders might want to know these plans for a situation where the property becomes too difficult to manage or if you simply decide to sell. Having a plan in place can reassure lenders on repayment of their home loan.

Let's get started

Ready to make your holiday home a reality?

Contact Your Village Mortgage Brokers today and we can help you navigate the specific requirements of lenders, consider the benefits and costs, and ensure you make your most informed decision, based on your financial situation and goals.

Make your mortgage work for you.

Take control of your home loan and learn how to make debt work FOR you, with our FREE Mortgage Mastery Guide!
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What's your next property move?


Maximising your lending opportunites

Our Approach

Here's what you can expect

Whether you are just starting out in property or are a seasoned investor, navigating the home loan lending process can be confusing and time consuming. We use our knowledge and experience to provide a streamlined approach and give you the advantage. We offer straighforward, flexible home loan solutions that don't just fulfil your current goals, but look to the future as well.

Getting to know you

We need to understand your current financial situation so we can determine the most competitive and appropriate lending solution and strategy to help achieve your lifestye and property goals.

The Nitty Gritty

With your Mortgage Strategy in place, our team will coordinate with you to gather all the relevant documents and information we need to help you get a speedy and positive outcome from the lender.


Getting pre-approval on your home loan means you can start looking for property or making plans. With the confidence of knowing that the lender has agreed in principle to lend you the money.

Unconditional approval

This is the green light that the lender has fully approved your loan with no conditions. It's not quite time to pop the champagne though, until settlement occurs.


Phew, we made it. The final inspection has been conducted, the title has been transferred into your names, and you have the keys to your new home in your hot little hands. Happy days!

Mortgage Mentoring

When the dust settles, we are still here to guide you along your property journey. From smart strategies to help you pay down your loan quicker or to build equity for future goals and projects. We've only just begun.


What our clients are saying

I found Rob from Your Village Mortgage Brokers very easy to deal with. He has an excellent grasp of the home loan options available and his explanations were clear and he was very reassuring. I’d highly recommend Rob to anyone thinking of speaking to a mortgage broker.

Damien G

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