The Cumberland Building Society has launched its first Holiday Let Index, combining research from brokers, landlords and homeowners with market data from Twenty7tec.
The Cumberland Building Society has launched its inaugural Holiday Let Index, examining confidence, investment behaviour and lending trends across the UK holiday let market.
Produced in partnership with independent market research agency Pegasus Insight, the report is based on responses from 125 participants, including 25 mortgage brokers, 50 private landlords and 50 homeowners who own at least one holiday let property.
Respondents were drawn from England, Scotland and Wales, with holiday let properties located across all three nations. The research looks at how the market is responding to recent tax and regulatory changes, alongside shifts in investor and guest behaviour.
The report also examines lending activity and the growing demand for specialist mortgage expertise within the sector. Additional market context is provided by holiday let mortgage search and product availability data from Twenty7tec.
The launch follows a recent reduction in The Cumberland’s holiday let mortgage rates.
Grant Seaton, head of intermediary lending at The Cumberland Building Society, said: “Given everything the holiday let sector has experienced over the past few years, it would have been easy to surmise that investor confidence had fallen sharply. What our research actually revealed was a much more nuanced picture, with several findings that challenged some of the assumptions surrounding the market. That’s exactly why we wanted to produce the Holiday Let Index.
“We wanted to hear directly from the people who know the market best. By bringing together the views of brokers, landlords and homeowners, we’ve been able to build a clearer picture of what’s happening across the sector today, how recent changes are shaping decisions and where opportunities continue to exist.
“As a mutual, listening has always been an important part of how we work. Every conversation with a broker or borrower helps us better understand the market and the people we support, and this research is another extension of that approach.
“We hope our inaugural Holiday Let Index becomes a valuable point of reference for brokers, investors and anyone with an interest in the holiday let market. More importantly, we hope it encourages further discussion about where the holiday let market goes next.”
To download a copy of The Cumberland’s inaugural Holiday Let Index, visit: https://www.cumberland.co.uk/news/holiday-let-index-summer-2026