We offer specially designed mortgages for the purchase or remortgage of guest houses
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Who can apply
Individuals, partnerships and limited companies
Owner-managed businesses only
Where we lend
Throughout mainland UK
Freehold or long leasehold standard construction properties
How we assess applications
No minimum income or home ownership required
Unlike many other lenders, we consider your personal income and asset/liability position
Up to 70% of property value
Typically up to 70% in our operating area (see below), 60% on repayment in the rest of mainland UK and 50% on interest only
£250,000 minimum property value
£75,000 minimum mortgage
A Flexible Approach
We will work with you to understand your circumstances and find the best solution
Personal, Friendly Service
Our professionally qualified team of business lending managers will treat you as more than a number
Benefits of Mutuality
We have no shareholders to satisfy, so you get great value products and services
Where We Lend

We provide mortgages throughout England, Scotland and Wales. Some of our mortgages are only available on properties in our operating area.

Our operating area is Cumbria (CA and LA postcodes), South-West Scotland (DG and TD9), West Northumberland (NE45-49), North Lancashire (PR, FY, LA AND BB1-3 and BB5-7) and North Yorkshire (HG, YO, BD20, BD23-24, DL6-11, LS21-23 and LS29).

Book a time for us to call you to discuss your needs

Schedule A Call
Lee Doswell | Business Lending Expert

Running a guest house isn’t just summer tourists who are looking for short term accommodation. During the week you might find that business people in town for conferences will provide a good stream of business for you all year round.

Lee Doswell | Business Lending Expert
Book a time for us to call you to discuss your needs
Schedule A Call


Your solicitor should be on the Society’s approved panel. If not, we can look to add them to the panel.
The Society will require a Mortgage Valuation report for the property. The fee in this respect will be agreed with you before the valuation is instructed.


Application Checklist
Direct Debit Mandate
Asset & Liability Statement
A Guide To Mortgages
Insurance Undertaking
Application Form
Sole Traders & Partnerships
Application Form
Limited Companies, LLPs & Trusts
Read our Commercial Mortgage FAQs