The Fife holiday let market

Fife sits within the Scotland holiday let and serviced accommodation market. Fife is home to the Old Course at St Andrews, regarded as the oldest golf course in the world. We arrange holiday let mortgages, serviced accommodation mortgages, bridging, development finance, remortgages and portfolio facilities on short-let property across the county, covering 5 catchments, led by St Andrews, Anstruther, Dunfermline and Rosyth.

The market figures below are reported nationally or at regional level by the sector's research sources, attributed to each source, and used as context rather than a Fife-specific measurement. The sale-price data is genuinely local and sourced from HM Land Registry price paid records.

Holiday let catchments across Fife

Fife is reached via A917, M90 J1, A985, M90 J3 and A823, and good access plus recognisable destinations are what drive the bookings and nightly rates a short let can achieve. Planning and short-term-let licensing questions are determined locally by Fife, and a lender will want the position confirmed where it applies.

Occupancy, nightly rates and yields

Across the UK there are around ~300,000 listings active short-term-let listings (AirDNA, UK Short-Term Rental Outlook, 2025), with average occupancy of around 60% and indicative average daily rates of ~£170 a night (AirDNA, UK Short-Term Rental Outlook, 2025). For this region, occupancy runs at about 63% (Scotland, AirDNA, UK Short-Term Rental Outlook, 2025) and nightly rates at about 180 £/night (Scotland, AirDNA, UK Short-Term Rental Outlook, 2025).

What a holiday let earns

Sykes reports indicative gross annual earnings of around ~£24,000 a year for a let holiday property (Sykes Holiday Cottages, Staycation Index 2025, 2025 index), though the figure varies widely by region, size and occupancy. Indicative gross holiday-let yields run around around 6 to 10% (Sykes Holiday Cottages / Savills leisure research, 2025), ahead of typical long-term lettings but against higher management cost and seasonality.

Holiday let demand signals in Fife

Around around 80% of UK holiday-let demand is domestic staycation trips (VisitEngland, GB Tourism Survey, 2024), which keeps well-located Scotland stock letting through the year.

Holiday let finance in Fife

We arrange the full range of holiday let and serviced accommodation finance across Fife: holiday let mortgages and serviced accommodation mortgages on trading short-lets, bridging for conversions and auctions, development finance for builds and major conversions, and remortgages and portfolio facilities for the long-term hold. Send us the deal and we will come back within one working day.

Holiday let market figures are published nationally or at Scotland level (Sykes Staycation Index owner earnings; AirDNA short-term-rental analytics; Savills leisure research) and are presented as context for Fife rather than a county-specific measurement. Housing-transaction figures are HM Land Registry price paid data for the towns we track.