The Cumberland's business team are experts in hospitality lending throughout the mainland UK and selected islands.

We consider applications on a bespoke basis, so we will lend to both new entrants as well as experienced B&B owners.

Our team of experts are on hand to give you any support you need, as well as help you with your hospitality business lending.

Lending Criteria

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• We can typically lend up to 65% of the trading value on properties throughout mainland UK, and the isles of Anglesey, Arran, Mull, Skye, Lewis, Harris and Wight
• Maximum mortgage term is 25 years on a capital repayment basis. We will consider 24 months interest only
• Freehold or long leasehold standard construction properties will be considered. Leasehold properties should have a minimum of 85 years left on the lease at the start of the mortgage and 50 years on maturity
• Individuals, partnerships, limited companies and those looking for an investment as part of their SIPP (Self-Invested Personal Pension) can apply
• No minimum income or home ownership required - unlike many other lenders, we consider your personal income and asset / liability position

• Limited Companies incorporated outside the UK

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