Bed & Breakfast Mortgages
We offer specially designed mortgages for the purchase or remortgage of bed and breakfast businesses
Hospitality Business Hub
Explore top tips, industry insights, and inspiring stories to help you start or grow your dream hospitality business.
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UK B&B Mortgage Specialists
The Cumberland's business team are experts in hospitality lending throughout the mainland UK and selected islands.
Personal approach
We consider applications on a bespoke basis, so we will lend to both new entrants as well as experienced B&B owners.
Help and advice
Our team of experts are on hand to give you any support you need, as well as help you with your hospitality business lending.
Your mortgage is secured on your property. Think carefully before securing other debts against your property. Your property may be repossessed if you do not keep up repayments on your mortgage.
Our Commercial Mortgage Reviews
Lending criteria
We can lend up to 65% of the trading value
The minimum property value must be £250,000
The minimum mortgage we offer is £75,000
- 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
Latest News
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Cutting-edge marketing experts Bucket & Spade on how to market your property and get guests booked in.
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Should I allow pets in my holiday let?
Anthony Bottomley, Business Development Manager at Cumbrian Cottages talks about why you should consider letting pets in your holiday let business.