---
title: "Minimum income for a hotel development loan?"
description: "In securing a mezzanine development loan through Mortgage Lane, having a regular income isn’t always essential."
url: "https://mortgagelane.com/guides/mezzanine-finance/minimum-income-for-a-hotel-development-loan"
site: "Mortgage Lane"
collection: "guides"
date: "2026-04-13"
author: "Written by an adviser at Mortgage Lane"
category: "Mortgage guide"
reviewed: "2026-10-08"
reading_time: "1 min"
byline: "Written by an adviser at Mortgage Lane"
author_credentials: "CeMAP · FCA authorised firm"
language: "en-GB"
robots: "index,follow"
---

# Minimum income for a hotel development loan?

In securing a mezzanine development loan through Mortgage Lane, having a regular income isn’t always essential.

In securing a mezzanine development loan through Mortgage Lane, having a regular income isn’t always essential.

[Mezzanine finance](https://mortgagelane.com/definitions?term=mezzanine-finance)

Development finance

Finance that sits between senior debt and the borrower’s equity in a project’s funding structure.

[Read the full definition of Mezzanine finance](https://mortgagelane.com/definitions?term=mezzanine-finance)

Back to overview

[Mezzanine Finance](https://mortgagelane.com/short-term-finance/mezzanine-finance)

Related definitions

[Development finance](https://mortgagelane.com/definitions#def-development-finance)

·

[Exit strategy](https://mortgagelane.com/definitions#def-exit-strategy)

## Minimum income for a hotel development loan?

In securing a mezzanine development loan through Mortgage Lane, having a regular income isn’t always essential. However, lenders will closely examine your exit strategy. If your plan involves refinancing the project upon completion, they will scrutinise your income to determine if it meets the criteria set by potential remortgage lenders. This assessment serves as a ‘sense check’ to confirm that your income levels are appropriate for the terms of the available refinancing options. Alternatively, if your exit strategy is to sell the developed property, the lender will concentrate on evaluating the expected Profit on Cost (POC) levels. This approach ensures that the financial aspects of your mezzanine development loan are aligned with your project’s end goals.

## Talk it through with an adviser

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

Published: 2026-04-13

Last reviewed: 2026-10-08

Source: https://mortgagelane.com/guides/mezzanine-finance/minimum-income-for-a-hotel-development-loan