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Let or Sell

Keep it as a holiday let, switch to a long-term let, or sell and invest. Example figures loaded; replace them with your own.

Verdict

Your total wealth from this property, year by year

Each line assumes you sell at that year's end and pay the tax due. Rental profit is reinvested at your chosen return.

Holiday let Long-term let Sell now and invest

How busy does the holiday let need to be?

Rules that apply in England

Rules checked: . Green means settled, amber means it changes your costs or what you're allowed to do, blue means it's still being decided.

What this assumes

  • Mortgage. Interest-only, with the balance unchanged.
  • Prices. Rents and costs stay at today's level. Running costs should include council tax (councils can double it for second homes) or business rates, plus insurance, utilities, repairs and replacing furnishings.
  • Not covered. Your time, or rule changes after October 2026. Visitor levies are paid by guests, so they aren't deducted here. This is a model to compare options, not tax or financial advice.