Commercial Mortgages for Brokers

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Commercial Mortgages for Brokers

At The Cumberland, we’ve been lending to hospitality business owners across the UK for over 20 years. We are proud to offer a fully relationship managed service to our customers, so we're always on hand when you need us. We are committed to delivering a personal service that’s kinder to people – we make it our priority to get to know you as the broker, the needs of your client and the intricacies of their business from the outset.

The commercial team offer a range of hospitality lending solutions, specialising in:

Guest houses
Guest houses
Lodge parks
Lodge parks

If you have a query on a business type not listed above, please get in touch as we can consider commercial lending on a case by case basis.

Benefits of working with The Cumberland

  • We provide a fully relationship managed service with a single point of contact from day one
  • We have over 20 years’ hospitality lending experience
  • The commercial team is located throughout the UK so we are close to our customers and understand the local area
  • Our customers consistently rate us highly for their experience of working with our commercial team with an average customer review score of 4.8/5 on Feefo
  • We’ve got real people making real decisions, which means we have more flexibility to provide the best lending solution for you and your business

Hear about what our customers think of us

Lending Criteria

All loans and product fees individually priced - available for purchase or refinance of owner occupied hotels, guest houses or B&Bs.

Lending area

Lending for guesthouses, hotels and B&Bs available in England, Wales & Scotland including islands.

Capital overpayments

Capital overpayments of 10% per year allowed during any early repayment charge period.

Loan Size

Minimum loan £75,000

Minimum property value £250,000


Up to term 25 years (C&I)

Maximum LTV

65% LTV

Income criteria

DCR calculations will be carried out. Projected income can be included.

Background income may be taken into account where minimum DCR are not met.

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.