Hotel Mortgages

We assist borrowers with commercial mortgages for the hospitality sector, supporting hotel owners and investors with funding to purchase, refinance, or renovate hospitality assets. This includes hotels, guesthouses, aparthotels, and other short-stay accommodation operating under commercial use classes.

Our hotel mortgage solutions are structured to reflect the long-term nature of hospitality trading, with loan terms of up to 30 years available. Interest rates on a commercial mortgage for a hotel purchase are priced on a risk basis, taking into account property type, trading performance, and market conditions.

Lenders typically require a personal guarantee, supported by strong credit history and demonstrable equity. Underwriting for hotel commercial mortgages is detailed and will usually include a review of business plans, historic accounts, tax returns, and cash-flow projections to confirm the ability to service debt over the long term.

Commercial Mortgage Valuation & LTV

Hotel lending is supported by a commercial valuation, with loan-to-value ratios commonly ranging from 70% to 75%, subject to income strength, asset quality, and operator experience. We arrange funding for a wide range of borrower structures, including sole traders, partnerships, limited companies, and charities, matching each case to lenders with the appropriate appetite.

Our experience extends beyond traditional hotels to guesthouses and aparthotels, which often operate with lower staffing costs while maintaining strong revenue from short-term accommodation. Whether you are entering the hospitality market or expanding an existing portfolio, we provide access to commercial mortgage lenders willing to assess each transaction on its merits.

Commercial Airbnb Mortgages

We also assist with commercial Airbnb mortgages and short-stay accommodation where properties fall under commercial use classes, commonly C1. These assets can be financed at up to 75% LTV, depending on income sustainability and property characteristics.

Properties with specialist amenities such as pools, spas, or leisure facilities are often more suited to commercial lending, as these features typically fall outside residential criteria. Where a property is categorised under C1 or similar commercial classes, commercial mortgage funding provides a practical route for acquisition or refinance, often with greater flexibility than residential alternatives.

As a whole-of-market commercial mortgage broker, we provide independent advice and access to both mainstream and specialist lenders, helping hospitality borrowers secure funding aligned with their operational and investment objectives.