Mortgages for Guest House & B&B Businesses

A kinder approach to Guest House & B&B mortgages

At The Cumberland, we understand the unique needs of Guest House & B&B owners. Our personal service ensures that real people make decisions, helping you secure the right mortgage for your business.

With over 20 years’ experience in Hospitality lending, our mortgage experts are dedicated to providing a personal, straightforward and responsible service.

We look beyond the numbers to help you grow your business – whether you want to pursue a Commercial mortgage for the purchase of a new Guest House or B&B, or refinance an existing one, our expert Commercial mortgage team will guide you through the process every step of the way.

A relationship-managed service

We offer a fully relationship-managed service with every customer provided with a single point of contact. Our team of relationship managers will take the time to get to know you and your business from the outset. At The Cumberland, we’ve got real people making real decisions for real people like you. We look at cases differently, and our decisions are made by real people, not robots.

  • Fully relationship-managed service
  • Long term lending
  • Colleagues with real industry experience and the ability to shape and structure transactions
  • Price based on our assessment of the risk within the business
  • Local pricing and credit decisions enabling quick responses
  • Competitive savings rates
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 Commercial mortgage from The Cumberland

  • £5 million maximum loan
  • Up to 70% LTV
  • Maximum tenure 25 years
  • We can typically lend to properties throughout the north of England, Scotland and the Isles including Anglesey, Arran, Isle of Wight and Isles of Mull, Skye, Shetland, Orkney, Harris & Lewis, Bute and Islay
  • Subject to lending criteria. Please refer to our Commercial Lending Criteria & Information Requirements for more information.

    Looking to remortgage?

    Do you already run a Guest House or B&B business? We can help you remortgage if you wish to refinance your property. We will also consider financing multiple 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.

Hospitality Hub
Hospitality Hub

Make your dream a reality with our top tips, industry insights and real life stories.

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Help and Support
Help and Support

If you are an existing business customer and worried about your mortgage contact your Relationship Manager, or visit our financial difficulties page.

Find out more
Savings and Banking

Did you know we offer a range of savings and current accounts which may be suitable for business of all shapes and sizes?

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Our Commercial Mortgage Reviews

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