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 - call us on 01228 403141.

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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.
Hospitality business 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.
View Hospitality Guide
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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.
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

Up to 60% of property value
Typically up to 60% in our operating area (see below)
£250,000 minimum property value
£75,000 minimum mortgage

Our Lending Criteria

  • We can typically lend up to 60% LTV on properties within our business operating area; Cumbria (all CA and LA postcodes), South-West Scotland (all DG postcodes and TD9), Northumberland (NE45-49), North Lancashire (all PR, FY, LA AND BB1-3 and BB5-7) West Yorkshire (LS21-23, LS29 and BD20) and North Yorkshire (all HG and YO, BD23-24 and DL6-11)
  • Our maximum LTV through the rest of mainland UK is 50% of the property value or purchase price.
  • Interest only mortgages are capped at 50% LTV.
  • 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
  • We lend throughout mainland UK
  • Freehold or long leasehold standard construction properties
  • Individuals, partnerships and limited companies can apply - owner-managed businesses only
  • 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

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 take some details and advise if we may be able to assist you.
3. Download application form
Complete and return the form to us with your supporting documentation.
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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