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Buying a holiday home has become very popular in recent years and understandably so. Who wouldn't want to own a property somewhere idyllic that they can use as a holiday home and holiday let as well as possibly a future retirement home? Switch on any television programme and they'll show you how to find that dream home. However, what programmes such 'A Place in the Sun' do not discuss are holiday property mortgages ' and how to get them.

There are different rules and regulations relating to having a holiday property mortgage as opposed to a traditional residential mortgage, both in the UK and abroad, and it is important that you understand the differences and any benefits that you may be entitled to etc.

As the legal system abroad also can be completely different to those in England and Wales or Scotland, you do need to be fully informed as to what to expect and what is expected of you.

And, in particular with overseas holiday property mortgages, the terms and conditions of the mortgage as well as the actual availability can differ greatly.

So how do you get a holiday property mortgage? While most of the major UK lenders and banks will offer holiday property mortgages for both the UK and abroad, there are specialist providers too and it is well worth investigating the marketplace before blindly going with the first company that offers a mortgage for a holiday home.

Certainly, if you want to purchase a holiday home, wherever it is, then you really do need to seek specialist advice.

Do your homework ' after all, getting a mortgage is one of the biggest financial decisions that you will make and with holiday property mortgages in particular being more intricate in their workings, it could save you a lot of hassle - and more importantly, money ' in the future.