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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