Hotel mortgages

We offer specially designed mortgages for the purchase or remortgage of hotels

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.

Hear from our customers

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

Lending criteria

Up to 60% of trading value
£250,000 minimum property value
£75,000 minimum mortgage
  • 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)
  • 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
  • Limited Companies incorporated outside the UK

Make an enquiry

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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