---
title: "Guest House Business Mortgage with no experience?"
description: "Guest House Business Mortgages are available to first time buyers and first time investors, however, loan to values will usually be sub 60% unless the borrower has substantial income."
url: "https://mortgagelane.com/guides/guest-house-mortgages/business-mortgage-with-no-experience"
site: "Mortgage Lane"
collection: "guides"
date: "2026-08-04"
author: "Written by an adviser at Mortgage Lane"
category: "Mortgage guide"
reviewed: "2026-08-04"
reading_time: "1 min"
byline: "Written by an adviser at Mortgage Lane"
author_credentials: "CeMAP · FCA authorised firm"
language: "en-GB"
robots: "index,follow"
---

# Guest House Business Mortgage with no experience?

Guest House Business Mortgages are available to first time buyers and first time investors, however, loan to values will usually be sub 60% unless the borrower has substantial income.

Guest House Business Mortgages are available to first time buyers and first time investors, however, loan to values will usually be sub 60% unless the borrower has substantial income.

[Guest house mortgage](https://mortgagelane.com/definitions?term=guest-house-mortgage)

Commercial

Property finance for premises used to operate a guest house or bed-and-breakfast business.

[Read the full definition of Guest house mortgage](https://mortgagelane.com/definitions?term=guest-house-mortgage)

Back to overview

[Guest House Mortgages](https://mortgagelane.com/insights/guest-house-mortgages)

Related definitions

[Mortgage](https://mortgagelane.com/definitions#def-mortgage)

·

[Loan-to-value (LTV)](https://mortgagelane.com/definitions#def-loan-to-value)

## Guest House Business Mortgage with no experience?

Guest House Business Mortgages are available to first time buyers and first time investors, however, loan to values will usually be sub 60% unless the borrower has substantial income. Usually these mortgage products being subject to higher risk lending, will usually lend against a 90 day valuation which assumes the property is being sold within three months. These products also come with higher interest rates, so it is key to aim for a 2 year fixed product if you wish to get a better valuation method and higher loan to value in the near future.

## Talk it through with an adviser

Speak to a Mortgage Lane adviser about your circumstances and the next steps.

Published: 2026-08-04

Last reviewed: 2026-08-04

Source: https://mortgagelane.com/guides/guest-house-mortgages/business-mortgage-with-no-experience