Can you get a commercial mortgage on a guest house?

Yes, you can get a commercial mortgage on a guest house. Since guest houses are considered trading businesses rather than pure residential properties, most lenders will treat the application as a commercial mortgage. This means affordability is typically assessed based on business income, not just personal income, and the property’s trading history or projected performance will play a key role.

Specialist guest house mortgage lenders offer tailored products for this type of asset, including both purchase and refinance options. If you’re exploring a mortgage for guest houses, it’s important to work with brokers who understand the hospitality sector and can connect you with lenders familiar with C1 use class properties.

Many of these lenders will also consider additional factors such as owner-occupancy, seasonal income, and whether the property is freehold or leasehold.