Guest House Mortgages

We offer specially designed mortgages for the purchase or remortgage of guest houses

UK Guest House Mortgage Specialists

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

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Guest House Mortgages
Whether you are an established guest house owner looking for a new mortgage deal or somebody looking into hospitality mortgages for the first time, we can help you.
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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 guest house 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.
Peter Jaques and Amanda Walker, Brownber Hall

You are working with a person rather than just calling up a call centre and being lost as a number. Our meeting was over coffee, it was pleasant, it was a chat and it was practical because we were able to get a lot done. It was much more of a human experience rather than a big machine.

Peter Jaques and Amanda Walker, Brownber Hall

Our Commercial Mortgage Reviews

Lending criteria

We can lend up to 65% of the trading value
£250,000 minimum property value
£75,000 minimum mortgage
  • 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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