Proud to support hospitality UK business owners for 20+ years

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Nicola Souter, owner of Castlebay Hote

“I knew that if I was my own boss I would have much more creative autonomy. Being a hotel owner you can create a brand and how you want it to be.”
Read Nicola’s story

Hotel Mortgage Specialists

The Cumberland's business team are experts in hospitality lending

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Personal approach
We consider applications on a bespoke basis, so we will lend to both new entrants as well as experienced hotel owners.
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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 hotel 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.

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Lending criteria

Up to 65% of 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 15 years on a capital repayment basis. We will consider 25 years funding where we can be comfortable with the underlying asset(s) in security
  • 24 months interest only will also be considered
  • 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 those looking for an investment as part of their SIPP (Self-Invested Personal Pension) can apply
NOT ELIGIBLE
  • Limited Companies incorporated outside the UK

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Latest News

Photo: Ravendere Retreats: sustainable meets luxury on the North Devon coast
Ravendere Retreats: sustainable meets luxury on the North Devon coast

A team of renowned entrepreneurs, philanthropists and investors have secured the purchase of a unique and award-winning self-catering escape located in the North Devon coastal village of Lee, aided by a multi-million pound finance package from The Cumberland Building Society.

Photo: Windermere's Cedar Manor named best luxury hotel in UK
Windermere's Cedar Manor named best luxury hotel in UK

Cedar Manor in Windermere has been named the best luxury hotel in the UK, and 10th best throughout Europe in the 2022 Travellers’ Choice® Best of the Best Awards for Hotels.

Photo: The Cumberland joins Scottish Tourism Alliance
The Cumberland joins Scottish Tourism Alliance

The Cumberland is delighted to announce it has joined forces with the Scottish Tourism Alliance (STA), the largest member organisation for tourism businesses in Scotland.

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