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The boutique B&B in picturesque Windermere.
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Mortgages for Bed and Breakfast

Welcome to a kinder approach to B&B mortgages

Hospitality is all about treating your customers well, and we know the difference a little kindness can make when applying for, or renewing, your B&B mortgage. With over 20 years’ experience in hospitality lending, our B&B mortgage experts are dedicated to providing a personal, straightforward and responsible service.

We look beyond the numbers to help you grow your business – whether you want to pursue a commercial mortgage for the purchase of a new Bed and Breakfast, or you want to refinance an existing one, our experts in B&B mortgaging are here to guide you along the process every step of the way.

A relationship managed service

We offer a fully relationship managed service with every customer provided with a single point of contact. Our experts will take the time to get to know you and your business from the outset. Based across the UK, our team of relationship managers understand the geographical areas they cover.

At The Cumberland, we’ve got real people making real decisions for real people like you. We look at cases differently, and our decisions are made by real people, not robots.

There’s a lot to consider when it comes to getting the right mortgage for a Bed and Breakfast. At The Cumberland, our experts specialise in B&B mortgages; they have the knowledge and experience to ensure you get the right deal for you and your B&B business:

  • We can lend up to 65% of the trading value
  • We offer B&B mortgages up to 65%
  • You will work with commercial mortgage experts with industry sector expertise
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.

Make it happen with a B&B mortgage from The Cumberland

Looking to remortgage?

Do you already run a Bed and Breakfast? We can help you remortgage if you wish to refinance your property. Looking to expand your business? We can also consider financing multiple properties as your portfolio grows.

Next steps

At The Cumberland, we’re committed to working closely with you to ensure you get the right mortgage to suit your individual circumstances. Ready to take the next step? Complete our eligibility form to find out if you meet our criteria.

Help and Support

External factors continue to be a cause for concern for many business owners. If you are an existing business customer and worried about your mortgage contact your Relationship Manager, or visit our financial difficulties page.

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 Great Britain, 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
NOT ELIGIBLE
  • Limited Companies incorporated outside the UK

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