BED & BREAKFAST MORTGAGES

We offer specially designed mortgages for the purchase or remortgage of bed and breakfast businesses
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UK B&B Mortgage Specialists

The Cumberland's business team are experts in hospitality lending throughout the mainland UK - call us on 01228 403141.

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Personal approach
We consider applications on a bespoke basis, so we will lend to both new entrants as well as experienced B&B owners.
Hospitality business guide View Hospitality Guide
Our guide has all of the key things you need to consider when setting up and running your business, from tax essentials to getting your property on the market and guests through the door.
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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.

Our Commercial Mortgage Reviews

Lending criteria

We can lend up to 70% of the property value
The minimum property value must be £250,000
The minimum mortgage we offer is £75,000

OUR B&B CRITERIA

  • We can typically lend up to 70% in our operating area, 60% on repayment in the rest of mainland UK and 50% on interest only
  • Maximum mortgage term is 25 years on a capital repayment basis or 10 year term on an interest only basis
  • Leasehold properties should have a minimum of 85 years left on the lease at the start of the mortgage and 50 years on maturity
  • Borrowers to be EU Nationals resident in the UK
NOT ELIGIBLE
  • Limited Companies incorporated outside the UK

Next steps

1. Arrange a call
Use our appointment booking system to schedule a call with our Business team.
2. Speak to our team
We'll advise you on the best mortgage options available to you.
3. Download application form
Complete and return the application form and we'll do the rest.
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.

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