The Cumberland launches inaugural Holiday Let Index
24 August 2026
The Cumberland Building Society has launched its inaugural Holiday Let Index, bringing together new research from brokers, landlords and homeowners to provide a detailed picture of the UK holiday let market.
Produced in partnership with independent market research agency Pegasus Insight, the Holiday Let Index explores the trends, challenges and opportunities shaping the sector.
The research 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 represented a broad cross-section of England, Scotland and Wales, with holiday let properties located across all three nations, providing a broad picture of the UK market.
The report explores market confidence, investor behaviour, lending activity and the impact of recent tax and regulatory changes, providing a snapshot of how the holiday let market is evolving.
Further findings reveal how investors are responding to legislative and economic change, how guest behaviour is changing, what brokers believe will influence the future of the sector, and how both the profile of holiday let investors and the demand for specialist lending expertise are continuing to develop.
The report also draws on holiday let mortgage search and product availability data from Twenty7tec to provide additional market context.
The launch also follows a recent reduction in The Cumberland’s holiday let mortgage rates, complementing the report with practical support for brokers and borrowers active in the sector.
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
