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Guest House Mortgages

Welcome to a kinder approach to guest house mortgages

Hospitality is all about treating your customers well. We know the difference a little kindness can make when applying for, or renewing, your commercial mortgage for a guest house. With over 20 years’ experience in hospitality lending, our guest house 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 guest house, or refinance an existing one, our expert commercial mortgage team will guide you through 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 team of 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.

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 guest house mortgage from The Cumberland

  • We provide commercial mortgages for guest house purchases throughout mainland Great Britain and selected islands
  • We offer commercial mortgages up to 65% LTV
  • You will be supported by commercial mortgage experts with industry sector expertise
  • We lend to first-time guest house investors
  • We finance properties in various entities

Looking to remortgage?

Do you already run a guest house business? We can help you remortgage if you wish to refinance your property. We will also consider financing multiple guest house properties as your business 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
£250,000 minimum property value
Minimum mortgage of £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
  • Limited Companies incorporated outside the UK

Make an Enquiry Today

Arrange a call with our expert commercial mortgage team

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Do you have a question?

Check out our Commercial Mortgages FAQs

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