Holiday let finance in the Greater London

Created in 1965 and made up of 32 boroughs plus the City of London, Greater London is England's most populous ceremonial county with around 9.1 million residents. We arrange the full range of holiday let and serviced accommodation finance across the Greater London, from the holiday let mortgages and serviced accommodation mortgages that buy and hold a short-let property to the bridging, conversion and development finance behind a refurbishment, a barn conversion or a change-of-use scheme. Short-term-rental market data is published at national and regional level by the Sykes Staycation Index, AirDNA and VisitBritain, so the figures above are attributed to their sources, while the housing-transaction figure is genuinely local Land Registry data for the towns we track.

London carries the highest serviced-accommodation rates in the UK, with indicative average daily rates around £220 and entire-home occupancy near 75 percent on AirDNA 2025 data, but it is also the most regulated market: the 90-night annual cap on entire-home short lets in Greater London pushes serious operators toward aparthotels, serviced apartments and C1 use that escape the limit. We fund London serviced-apartment blocks, aparthotel conversions and individual short-let flats held in companies, and the recurring work is development and bridging finance on change-of-use and conversion schemes where the end value justifies the spend.

What drives the Greater London holiday let market:

• year-round city-break tourism and a deep corporate and relocation travel base
• the 90-night annual limit on entire-home short lets in Greater London, which favours professionally run serviced apartments and aparthotels
• premium average daily rates across central and inner London

Benchmark figures from AirDNA, UK Short-Term Rental Outlook; Savills leisure research. Regional commentary draws on AirDNA (UK Short-Term Rental Outlook, 2025); Savills (leisure and hospitality research, 2025).