Holiday Let Mortgages Explained: When (and How) to Remortgage

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Host Planet: Expert Insights for Short-Term Rentals

James Varley | Host Planet

214 episodes

14 hours ago

Short-term rental hosting, Airbnb tips, direct bookings, vacation rental management – Host Planet is your go-to source for expert insights and real estate strategies.

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Short-term rental hosting, Airbnb tips, direct bookings, vacation rental management – Host Planet is your go-to source for expert insights and real estate strategies.

Investing

Business

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Holiday Let Mortgages Explained: When (and How) to Remortgage

Host Planet: Expert Insights for Short-Term Rentals

21 minutes 35 seconds

1 week ago

Holiday Let Mortgages Explained: When (and How) to Remortgage

In this episode of the Host Planet Mortgage Podcast, Joe Stallard from House and Holiday Home Mortgages explains exactly when and why holiday let owners should consider remortgaging.

We cover:

- Moving onto your lender’s standard variable rate (SVR).

- How to find the best remortgage deals – sometimes with your current lender.

- When to start planning your remortgage.

- Switching for better rates or post-refurbishment.

- Understanding mortgage terms, usage changes, and ownership structure.

If you’re a host or property investor navigating holiday let finance, this episode is packed with insights to help you make smarter mortgage decisions.

0:57 Moving on to your lender’s standard variable rate (SVR)

4:02 Your current lender could offer the best deal

5:18 When to start thinking about remortgaging

7:21 Switching to get a better interest rate

8:27 Refinancing post-refurbishment

9:45 Change of rate type

12:05 Change of usage

14:14 Breaching mortgage terms and conditions

15:24 Changing the ownership style

16:44 Criteria reasons

18:34 Raising capital

20:33 House and Holiday Home Mortgages: https://www.hhhmortgages.com/host-planet

James Varley: https://www.linkedin.com/in/jdsvarley/

Joe Stallard: https://www.linkedin.com/in/joe-stallard-9b462429/

House and Holiday Home Mortgages: https://www.hhhmortgages.com/host-planet

Episode to check next: Holiday Let vs Buy-to-Let Mortgages: A Guide for Airbnb Hosts: https://www.youtube.com/watch?v=5NCm0RONCdI

Host Planet Mortgage Podcast is presented by James Varley, a holiday let investor and property manager who is also the Founder of Host Planet. Before founding Host Planet, James spent 20 years in the media, including a decade leading corporate communications for the FIFA World Cup Qatar 2022.

Contact the show: info@hostplanet.club

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