Holiday let finance in the Yorkshire and the Humber

Home to around 5.5 million people, Yorkshire and the Humber stretches from the Pennines across the Yorkshire Dales and North York Moors to the Humber Estuary. We arrange the full range of holiday let and serviced accommodation finance across the Yorkshire and the Humber, 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.

Yorkshire offers some of the best value in UK holiday lets: lower entry prices than the South West or Lakes against reliable year-round occupancy in the Dales and Moors, which supports indicative gross yields around 8 percent (Sykes 2025). Average daily rates run around £160 with occupancy in the low 60s (AirDNA 2025). York is a top-tier city-break market for serviced apartments, while the Dales and the coast trade on walking, touring and seaside demand. We fund cottage and barn conversions across the national parks, York city-centre serviced apartments and coastal portfolios.

What drives the Yorkshire and the Humber holiday let market:

• the Yorkshire Dales and North York Moors national parks as year-round walking destinations
• the coast at Whitby, Scarborough, Filey and Robin Hood's Bay
• York as a top-tier UK city-break market

Benchmark figures from AirDNA, UK Short-Term Rental Outlook; Sykes Holiday Cottages, Staycation Index 2025. Regional commentary draws on AirDNA (UK Short-Term Rental Outlook, 2025); Sykes Holiday Cottages (Staycation Index, 2025).