The UK’s property investment landscape continues to evolve, with holiday lets and buy-to-let properties offering attractive income and capital growth opportunities. Whether you’re a seasoned landlord or entering the short-term rental market, refinancing can help you release equity, reduce costs, or fund your next property venture.

At TMS Finance, we work with landlords and property investors to structure tailored refinancing solutions that support long-term profitability and portfolio expansion.

What Is Buy-to-Let and Holiday Let Refinancing?

Refinancing involves replacing your existing mortgage or loan with a new finance agreement—often with better terms, a higher loan amount, or added flexibility. For landlords, this can mean unlocking equity built up in the property to invest elsewhere or simply reducing monthly repayments.

For holiday lets, specialist lenders offer refinancing options based on the projected or actual income from short-term stays, rather than standard AST rental models.

How It Supports Your Investment Goals

Whether you’re managing a traditional rental portfolio or diversifying into the booming holiday let market, refinancing gives you greater control over your cash flow and growth strategy.

Key Benefits

• Release Equity: Access cash tied up in existing properties to reinvest or cover other costs.
  Lower Monthly Payments: Secure better interest rates or longer terms to reduce repayment pressure.
  Fund Renovations: Use refinancing to finance property upgrades or prepare for higher rental yields.
  Portfolio Growth: Leverage existing assets to acquire new buy-to-let or holiday let investments.

Tailored Solutions for Every Investor

• Buy-to-Let Remortgages: Ideal for professional landlords looking to improve margins or raise capital.
• Holiday Let Mortgages: Designed for short-term lets and Airbnb-style income models.
• Capital Raising: Borrow against increased property value to support other business or property goals.
• Debt Consolidation: Combine existing loans into a single, manageable monthly payment.

Who It’s For

Refinancing is suitable for landlords with existing mortgages who want to improve their financial position or expand their portfolios. It’s also ideal for holiday let owners seeking to make the most of high seasonal income potential, particularly in desirable tourist areas.

Why Choose TMS Finance?

TMS Finance offers access to a wide panel of specialist buy-to-let and holiday let lenders. We understand the nuances of property investment and work closely with you to find refinancing solutions that align with your strategy and cash flow needs.

Whether you want to reduce outgoings, raise funds, or diversify your portfolio, our expert team is here to deliver a smooth, stress-free process from enquiry to completion.

Refinance Your Future

Thinking about refinancing your buy-to-let or holiday property? Contact TMS Finance today and explore flexible finance solutions that unlock the value of your investments and fuel your next move.