HOTEL MORTGAGES

We offer specially designed mortgages for the purchase or remortgage of hotels
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UK Hotel 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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Personal approach
We consider applications on a bespoke basis, so we will lend to both new entrants as well as experienced hotel owners.
Hospitality business guide View Hospitality 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.
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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.
Sally and David Fox, Kilcamb Lodge Hotel

The Cumberland really understood the hospitality business and illuminated a way forward for us which has taken us to a new, exciting and much better place. In the seven years since moving to The Cumberland, we have doubled our turnover, refurbished rooms and opened a new Brasserie alongside our existing restaurant. With the support of Cumberland, we can work and plan for a better future - it has truly transformed our business and our lives.

Sally and David Fox, Kilcamb Lodge Hotel

Our Commercial Mortgage Reviews

Lending criteria

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

OUR HOTEL CRITERIA

  • We typically lend up to 70% in our branch operating area (Cumbria (all CA and LA postcodes), South-West Scotland (all DG postcodes and TD9), West Northumberland (NE45-49) and North Lancashire (all PR, FY, LA AND BB1-3 and BB5-7), 60% on repayment in the rest of mainland UK and 50% on interest only
  • 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
NOT ELIGIBLE
  • 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 advise you on the best mortgage options available to you.
3. Download application form
Complete and return the application form and we'll do the rest.
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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