Can you get a guest house mortgage scotland?

Yes, you can get a guest house mortgage in Scotland. Lenders offer both residential and commercial mortgage options depending on how the property is used, whether it’s owner-occupied, a trading business, or purely an investment.

Most mortgages for guest houses in Scotland are treated as commercial finance with Class 7 planning use associated with short-term lets, B&Bs, and guest houses. Lenders will assess affordability based on trading accounts or projected income, and may require a deposit of 25%-35%, depending on the risk and the property’s condition.

At Mortgage Lane, we work with a range of guest house mortgage lenders who are familiar with the Scottish legal system and valuation methods, including bricks-and-mortar or income-based assessments. Whether you’re buying in the Highlands, a city centre, or a coastal area, we can help you find the right commercial mortgage for a guest house in Scotland.