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Hotel Mortgages

Welcome to a kinder approach to hotel mortgages

Hospitality is all about treating your customers well. We know the difference a little kindness can make when applying for, or renewing, your commercial mortgage to purchase a hotel. That’s why we offer a fully relationship managed service with a single point of contact – our experts take the time to get to know you and your business from the outset.

We look beyond the numbers to help you grow your business – whether you are looking to purchase a hotel for the first time, or are looking to remortgage an existing property, our lending experts are here to help you every step of the way. Based across the UK, our team of relationship managers understand the geographical areas they cover.

Relationship managed service

At the Cumberland, there are no robots. We’re passionate about delivering a personal service, with real people making real decisions for you.

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.

Make it happen with a hotel mortgage from The Cumberland

  • We provide commercial mortgages for hotel purchases throughout mainland Great Britain
  • You will be supported by commercial mortgage experts with hospitality sector expertise
  • We lend to first-time hotel investors
  • We finance properties in various entities

Looking to remortgage?

Do you already run a hotel business? We can help you remortgage if you wish to refinance your property. We will also consider financing multiple hotel properties as your business grows.

Next steps

At The Cumberland, we’re committed to working closely with you to ensure you get the right mortgage to suit your individual circumstances. Ready to take the next step? Complete our eligibility form to find out if you meet our criteria.

Help and Support

External factors continue to be a cause for concern for many business owners. If you are an existing business customer and worried about your mortgage contact your Relationship Manager, or visit our financial difficulties page.

Lending criteria

Up to 65% of trading value
£75,000 - £5million per asset
Up to 25 years term

  • We can typically lend up to 65% of the trading value on properties throughout mainland Great Britain, 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

Do you have a question?

Check out our Commercial Mortgages FAQs

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Photo: Industry insights for Cumbrian hospitality businesses
Industry insights for Cumbrian hospitality businesses

The past few years have taken a toll on many businesses across the region, with the hospitality and tourism sector taking a huge hit. Rising costs, staffing issues and reduced footfall to the area all having an impact on how hospitality businesses are able to operate.

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