Sector-specific tax and accounting analysis

Preparing Your Holiday-Let Accounts for Refinancing in H2 2026

A substantial volume of UK fixed-rate mortgages come off through 2026-27, some of them held by STL landlords. Lender criteria on remortgage are typically tighter than those applied at original drawdown two, three or five years ago — interest rates higher, rental stress tests sharper, more questions asked. This is what the accounts and evidence pack should look like, and where a same-lender product transfer may sit alongside a full remortgage.