Yes, you can get a mortgage for a flat as a second home. However, lenders usually have specific criteria for second homes. They may require a larger deposit (often 15-25% or more), and interest rates might be slightly higher than for a primary residence due to the perceived increased risk. Additionally, when assessing affordability, lenders will consider your existing mortgage payments and other financial commitments. If you're buying a second home for holiday purposes or as a weekend retreat, you'll need a traditional second home mortgage. But if you're planning to rent it out, even if just occasionally, you may need a holiday let mortgage. It's also worth noting that second homes are subject to higher stamp duty rates in the UK.