Quick Answer: Best Holiday Let Remortgage in 2026
Holiday let remortgage rates in 2026 are typically 5.2%-5.9% for a 2-year fix and 5.0%-5.6% for a 5-year fix at 75% LTV — slightly above standard BTL. Specialist lenders — Leeds BS, Cumberland BS, Hodge, The Cumberland, Principality, Furness and Market Harborough — assess projected income across low/mid/high seasons (often averaged) against the rental stress test. Strong holiday-let yields usually clear affordability comfortably. A holiday-let specialist broker maximises borrowing and finds the best deal.
Rates last reviewed June 2026. Figures shown are indicative market ranges to help you compare — not live quotes or personalised offers. Mortgage rates change daily and depend on your circumstances, the lender's criteria and the Bank of England base rate. Check live rates for your profile →
How Holiday Let Income Is Assessed
The assessment differs from standard buy-to-let:
- Seasonal income projection — lenders use a projected income figure spanning low, mid and high seasons, often from a holiday-letting agent's assessment, rather than a single assured-tenancy rent.
- Averaged or blended figure — many lenders take an average of the three seasons to apply against their rental stress test (ICR).
- Higher gross yields — holiday lets often gross more than standard lets, which can mean strong affordability despite seasonal voids.
- Furnished holiday let (FHL) status — properties meeting HMRC's letting-days criteria can qualify for tax advantages, though FHL tax rules have been changing — take current tax advice.
