---
title: "Hotel Bridging Loans, Auction and Refurbishment Finance"
description: "Hotel bridging loans to buy, refurbish or convert a hotel: trading and vacant possession values, auction timetables and the exit to a hotel mortgage."
url: "https://mortgagelane.com/short-term-finance/hotel-bridging-loans"
site: "Mortgage Lane"
collection: "mortgages"
date: "2026-10-08"
author: "Joseph Lane"
category: "Mortgages"
reviewed: "2026-10-08"
reading_time: "38 min"
byline: "Joseph Lane"
author_credentials: "CeMAP · FCA authorised firm"
language: "en-GB"
robots: "index,follow"
---

# Hotel Bridging Loans, Auction and Refurbishment Finance

Hotel bridging loans to buy, refurbish or convert a hotel: trading and vacant possession values, auction timetables and the exit to a hotel mortgage.

Hotel bridging loans to buy, refurbish or convert a hotel: trading and vacant possession values, auction timetables and the exit to a hotel mortgage.

[Hotel bridging loan](https://mortgagelane.com/definitions?term=hotel-bridging-loan)

Bridging finance

A short-term loan secured on a hotel, guest house or other hospitality property, used to buy, refurbish, refinance or convert it until a hotel mortgage or a sale repays it in one sum.

[Read the full definition of Hotel bridging loan](https://mortgagelane.com/definitions?term=hotel-bridging-loan)

## Expert advice on hotel bridging loans

Speak to a Mortgage Lane adviser about your options.

## In short

Bridging lenders can fund hotel purchases, auction completions, closed or failing hotels and refurbishments when a term lender cannot act in time or the accounts do not yet support a mortgage. The loan is sized on the value the lender accepts: trading value, value with trade ceased, or the lower of the two. A sale or hotel mortgage then repays it, and on the cases we arrange the mortgage goes up to 75% of value.

## What is a hotel bridging loan?

**A hotel bridging loan is a short-term loan secured on a hotel, by a first legal charge or, in Scotland, a standard security, and repaid in one sum when the hotel is refinanced onto a hotel mortgage or sold.** Buyers and owners use one to buy, refurbish, reposition or convert a hotel when a term lender cannot act in time, or when the hotel does not yet have the trading record a term lender needs. The interest is [retained](https://mortgagelane.com/definitions#def-deducted-interest) from the advance or [rolled up](https://mortgagelane.com/definitions#def-rolled-up-interest), so there are no monthly payments, or on some loans paid monthly from the trade. It is a [bridging loan](https://mortgagelane.com/definitions#def-bridging-loan) on commercial property, and the lender looks at the hotel, the borrower's experience and how the loan will be repaid more than at monthly affordability.

Two things decide the loan: the value the lender will lend against, and the exit that repays it. Hotels are trade related property. Under the [RICS Valuation Global Standards (the Red Book)](https://www.rics.org/profession-standards/rics-standards-and-guidance/sector-standards/valuation-standards/red-book/red-book-global), a valuer registered with the [Royal Institution of Chartered Surveyors (RICS)](https://mortgagelane.com/definitions#def-royal-institution-of-chartered-surveyors) values a hotel by reference to its trading potential, on what a reasonably efficient operator could earn there. The same building can therefore carry a trading value well above its value once trade has ceased. Which of those two values the lender uses sets the size of the loan. Whether the hotel will support a hotel mortgage, or sell, when the bridge ends sets the risk, and both are worth settling before the purchase is committed.

A term lender needs time and evidence: trading accounts, the operator's track record and a Red Book [trading valuation](https://mortgagelane.com/definitions#def-going-concern-valuation). A buyer facing an auction deadline does not have them yet, and nor does the buyer of a hotel that has closed or is halfway through a refurbishment; the bridge buys the time to produce them. The term loan that follows, where the plan is to keep the hotel, is a [hotel mortgage](https://mortgagelane.com/mortgages/hotel-mortgages): on the hotel cases we arrange it runs up to 75% of the hotel's value, over 15 to 40 years.

Mortgage Lane arranges hotel bridging finance across England, Wales, Scotland and Northern Ireland. The cases include operators buying a further hotel, investors buying at auction, buyers of closed or distressed hotels from administrators and receivers, and owners refinancing away from a lender that wants repayment or raising money for a refurbishment. We also arrange bridges for developers converting a hotel to flats, a [house in multiple occupation (HMO)](https://mortgagelane.com/definitions#def-hmo), serviced accommodation or a care home, and for owners of guest houses, B&Bs and boutique hotels. The exit is tested with lenders before an application goes in. Hotel bridging sits within our wider work on [bridging loans](https://mortgagelane.com/short-term-finance/bridging-loans) and [business bridging loans](https://mortgagelane.com/short-term-finance/business-bridging-loans), and most of it is unregulated business lending; the regulation section below explains when the [Financial Conduct Authority (FCA)](https://mortgagelane.com/definitions#def-financial-conduct-authority) rules apply.

## Hotel bridging loan rates

**Hotel bridging loans are priced by each lender as a monthly interest rate plus fees, and the rate reflects how much of the hotel's value the loan uses, which value that is, and how certain the exit looks.** Lenders generally price bridging in [loan to value (LTV)](https://mortgagelane.com/definitions#def-loan-to-value) bands, so a loan well inside the lender's limit usually costs less than one close to it. A hotel's value moves with its trade, and some lenders treat a loan resting on the trading value as carrying more risk than one resting on the value with trade ceased, which shows in the rate and in the percentage they will lend. A closed hotel, a conversion with planning still to be won, or a borrower new to hotels can move the price up or the loan down, and some bridging lenders do not lend on hotels at all.

The fees sit alongside the rate. An arrangement fee is normal, set as a percentage of the [gross loan](https://mortgagelane.com/definitions#def-gross-loan) and often added to it, and some loans also carry an [exit fee](https://mortgagelane.com/definitions#def-exit-fee) on redemption. The borrower pays for the lender's valuation by a specialist hotel valuer, the lender's legal costs as well as their own, and, where the loan funds works, a [monitoring surveyor](https://mortgagelane.com/definitions#def-monitoring-surveyor). Interest can be retained from the advance for the term, rolled up and added to the balance, or paid monthly from the hotel's trading income. Retained interest reduces the cash released on day one, as the worked example below shows, and our guide to [deducted and retained interest](https://mortgagelane.com/guides/bridging-loan-guide/deducted-and-retained-interest-bridging-loans) explains how lenders calculate it.

The fair comparison between offers is the total cost to the date the loan is likely to be repaid, with the rate, the fees and the interest added together, and the lender's appetite for the case. A cheaper offer from a lender that will not lend on a closed hotel, or will not lend on the trading value, does not help the buyer who needs one of those. Our guide to [what a bridging loan costs](https://mortgagelane.com/guides/bridging-loan-guide/what-does-a-bridging-loan-cost) sets out each charge, and our [bridging loan guide](https://mortgagelane.com/guides/bridging-loan-guide) covers how bridging works.

**Buying, refurbishing or refinancing a hotel?** Get in touch with the property details, any trading accounts, the purchase timetable and the planned exit. We agree the valuation basis with lenders and test the exit before you commit to the purchase.

## Hotel bridging criteria

**Hotel bridging lenders check the same points on every case, and each sets its own limits for them.** Three rows in the table rest on published rules: the valuation row on the RICS Red Book, the term row on the FCA's definition of a bridging loan, and the regulation row on the Regulated Activities Order. The exit row gives Mortgage Lane's experience on the hotel cases we arrange, which is not a market rule. The other rows describe how lenders differ, and each lender's criteria and underwriting decide a case.

## Hotel bridging criteria

*Hotel bridging criteria*

| Criterion | How lenders assess it |
| --- | --- |
| Purpose | Purchase, auction purchase, refinance, capital raising, refurbishment, change of use and conversion |
| Term | Set by each lender and measured in months; under the FCA's definition, a regulated mortgage contract counts as a bridging loan where its term is 12 months or less |
| Valuation | RICS Red Book valuation by the profits method under VPGA 4, with a further figure on the assumption that trade has ceased; lenders differ on which figure they lend against |
| Loan to value | Set by each lender against the value it uses, and varies with the trading position, the condition of the hotel and the exit |
| Security | First legal charge over the freehold or long leasehold (a standard security in Scotland); some lenders consider a second charge |
| Borrower | Individuals, limited companies, LLPs and SPVs; hotel experience counts in the borrower's favour, and some lenders consider a first-time hotel buyer with an experienced manager or operator |
| Guarantees | A lender lending to a company may ask the directors for personal guarantees, and some take a debenture over the operating company |
| Interest | Retained from the loan, rolled up, or paid monthly |
| Exit | Hotel mortgage, up to 75% loan to value on the cases we arrange; sale of the hotel; or sale or refinance of converted units |
| Exit evidence | Indicative terms from a term lender or an agent's sale advice at application |
| Not in the value | Personal goodwill of the current operator, trading stock and consumables |
| Licences and compliance | Premises licence, fire risk assessment and planning use checked by the lender's solicitor and valuer |
| Regulation | Unregulated unless the borrower is an individual or trustees and at least 40% of the property will be lived in by the borrower (or, for trustees, a beneficiary) or a related person; some loans are excluded even then, such as a second charge business loan of more than £25,000 |

How hotel bridging lenders assess a case. The valuation row is from RICS Valuation Global Standards, VPGA 4 (effective 31 January 2025), the term row from the FCA Handbook glossary and the regulation row from articles 61 and 61A of the Regulated Activities Order, checked 8 October 2026. The exit row is Mortgage Lane's experience on the hotel cases we arrange, not a market rule. The other rows describe how lenders vary; each lender's criteria decide a case.

## Types of hotel bridging case, and how each is assessed

**The security is always a hotel. What changes from case to case is whether it is trading, how quickly the money is needed and what the hotel will be when the bridge is repaid.**

### Buying a trading hotel quickly

A buyer uses a bridge where the seller's timetable will not wait for a term lender's underwriting and trading valuation, or where the hotel's accounts do not support a term loan yet. One such case is a hotel run below its potential by an owner who has stopped investing in it: the accounts show weak profits, while a valuer assessing what a reasonably efficient operator could earn there may put the trading value higher. The bridge is sized on the value the lender accepts, the buyer takes over the trade, and a hotel mortgage follows once the new owner's trading can be shown in accounts.

The sale of a trading hotel can be treated as a transfer of a going concern for VAT, so that no VAT is charged on the price. HMRC's conditions include the buyer carrying on the same kind of business, being VAT registered or registrable at the time of the transfer and, where the seller has opted to tax the building, opting to tax it too. The buyer's option has to be notified to HMRC by the relevant date, which is normally the date of the transfer but is earlier if the seller receives a deposit that would otherwise create a tax point ([HMRC VAT Notice 700/9](https://www.gov.uk/guidance/transfer-a-business-as-a-going-concern-and-vat-notice-7009)). If a condition is missed, VAT can be charged on the property, which changes the cash needed at completion, and our guide to [VAT bridging](https://mortgagelane.com/guides/bridging-loan-guide/vat-bridging) explains short-term funding for a VAT bill. The buyer's accountant and solicitor decide whether a sale qualifies; we do not give tax advice.

Land tax is charged on the purchase at non-residential rates, because a hotel or inn is not residential property for [Stamp Duty Land Tax (SDLT)](https://mortgagelane.com/definitions#def-stamp-duty-land-tax) ([Finance Act 2003, section 116](https://www.legislation.gov.uk/ukpga/2003/14/section/116)). In England and Northern Ireland SDLT is 0% up to £150,000, 2% from £150,001 to £250,000 and 5% above, and an owner's flat in the hotel makes it mixed property, which pays the same rates ([gov.uk: non-residential and mixed rates](https://www.gov.uk/stamp-duty-land-tax/nonresidential-and-mixed-rates)). Scotland charges [Land and Buildings Transaction Tax (LBTT)](https://mortgagelane.com/definitions#def-land-and-buildings-transaction-tax) at 0%, 1% and 5% on the same bands, and Revenue Scotland lists hotels and inns as non-residential property ([Revenue Scotland: non-residential property](https://revenue.scot/taxes/land-buildings-transaction-tax/non-residential-property)). A Scottish hotel bought with an owner's flat is still taxed at the non-residential rates. The 8% [Additional Dwelling Supplement (ADS)](https://mortgagelane.com/definitions#def-additional-dwelling-supplement) is then added on the part of the price that relates to the flat, where that part is £40,000 or more. It applies where the buyer is a company, or an individual who will own more than one home and is not replacing their main residence ([Revenue Scotland: LBTT4011 mixed transactions](https://revenue.scot/taxes/land-buildings-transaction-tax/lbtt-legislation-guidance/residentialnon-residential-technical-guidance/lbtt4011-mixed-transactions); [Revenue Scotland: ADS](https://revenue.scot/taxes/land-buildings-transaction-tax/additional-dwelling-supplement-ads)). Wales charges [Land Transaction Tax (LTT)](https://mortgagelane.com/definitions#def-land-transaction-tax) at 0% up to £225,000, 1% to £250,000, 5% to £1,000,000 and 6% above, and mixed property pays the non-residential rates there too ([Welsh Government: LTT rates and bands](https://www.gov.wales/land-transaction-tax-rates-and-bands)). These are the rates as at October 2026.

### Auction purchases

Contracts at a traditional auction exchange when the hammer falls. Under the RICS Common Auction Conditions (5th edition), which an auctioneer can adopt for its sales, completion falls 20 business days after the contract date unless the conditions for the lot set another date, and the deposit is 10% of the price or the auctioneer's minimum, whichever is greater. A term lender is unlikely to underwrite a hotel and obtain a trading valuation in that time, so a buyer who needs hotel auction finance looks to a bridge. A bridging lender that has reviewed the legal pack and instructed its valuer before the auction can complete within the deadline, and a hotel valuation needs the trading information and a specialist inspection, so it is worth starting early. The buyer pays the deposit on the day, from their own funds or from a loan secured on other property. Our page on [bridging loans for auction](https://mortgagelane.com/short-term-finance/auction-property-loans) covers the timetable and the legal pack.

### Refurbishment and repositioning

A hotel refurbishment bridging loan can fund the purchase while the buyer pays for a light refurbishment of bedrooms, bathrooms, public areas or the kitchen, or the lender can release the works money in stages after a monitoring surveyor has inspected each one. Heavier work involving structural changes, extensions or a change of use is usually funded as [development finance](https://mortgagelane.com/definitions#def-development-finance), which our [hotel development finance](https://mortgagelane.com/short-term-finance/hotel-development-finance) page covers, and our page on [refurbishment loans](https://mortgagelane.com/short-term-finance/refurbishment-loans) explains where light works end and heavy works begin. A lender that funds the works looks at the value after the works as well as the value today, and sets its own limits on the advance at completion and on the loan against the finished value. A hotel that keeps trading during the works can also fund them with a further advance from its existing lender or a capital expenditure facility.

The Red Book valuation of a tired hotel already allows for that spending. Where a valuer expects a new operator to improve the trade by altering or improving the hotel, the valuer builds the higher trade into the estimate, then deducts the cost of the works and an allowance for the delay before the higher trade is reached.

### Closed and distressed hotels

A hotel that has stopped trading has no current trade to show a lender. The valuer still values it having regard to its trading potential, as an empty property on special assumptions such as the trade having ceased and some or all of the furniture and equipment having been removed. The valuation allows for the cost and time of refitting, relicensing, recruiting staff and building the trade back. Bridging lenders size the loan on that figure. A hotel sold by an administrator, receiver or other insolvency practitioner tends to come with limited warranties and a fixed timetable, so the legal pack and the valuer's report carry more of the weight. A distressed sale can also come at a price below the valuation, and our page on [BMV mortgages](https://mortgagelane.com/mortgages/bmv-mortgages) explains how lenders treat a price below market value. The rise in value from reopening and rebuilding the trade is captured later, when the hotel is refinanced onto a hotel mortgage on its new trading figures.

### Conversion to apartments, HMO, serviced accommodation or care

In England a hotel is in [use class](https://mortgagelane.com/definitions#def-use-class) C1, which covers hotels, boarding houses and guest houses where no significant element of care is provided ([Town and Country Planning (Use Classes) Order 1987](https://www.legislation.gov.uk/uksi/1987/764/schedule)). Turning one into flats, an HMO or a care home moves it into another class and needs planning permission. The national [permitted development](https://mortgagelane.com/definitions#def-permitted-development) rights in England include no change from a hotel to homes, and the only change of use they allow from C1 is to a state-funded school ([General Permitted Development Order 2015, Schedule 2, Part 3](https://www.legislation.gov.uk/uksi/2015/596/schedule/2/part/3)). Wales uses the same Use Classes Order with its own amendments. Scotland has its own order, in which hotels and hostels are generally Class 7. A hotel with a bar licensed to serve people other than residents and diners falls outside that class, and a small B&B within a house can be Class 9 instead ([Use Classes (Scotland) Order 1997](https://www.legislation.gov.uk/uksi/1997/3061/schedule)). In Northern Ireland a hotel is in no use class at all, and a guest house is Class C2 ([Planning (Use Classes) Order (Northern Ireland) 2015](https://www.legislation.gov.uk/nisr/2015/40/contents)). The local planning authority confirms the position for each site.

The bridge funds the purchase while planning permission is sought, or funds the conversion where permission is already granted. The exit is the sale of the finished units, or a refinance onto [HMO mortgages](https://mortgagelane.com/mortgages/hmo-mortgages) or buy to let mortgages once they are let, the route our [bridge to let mortgage](https://mortgagelane.com/short-term-finance/bridge-to-let-mortgage) page covers. An HMO also has to meet the council's licensing rules: in England a mandatory HMO licence is needed for an HMO let to 5 or more people forming more than one household ([gov.uk: HMO licences](https://www.gov.uk/house-in-multiple-occupation-licence)). Our [serviced accommodation mortgage](https://mortgagelane.com/insights/serviced-accommodation-mortgage) page covers how lenders treat serviced apartments. A care home needs registration with the care regulator before it can open, which our [care home mortgages](https://mortgagelane.com/insights/carehome-mortgages) page covers.

### Refinancing and capital raising

Owners use a bridge to repay a lender that wants its money back, to release equity for a refurbishment or another acquisition, or to buy out a partner, while the accounts are brought up to date for a hotel mortgage. A bridging lender in that position looks mainly at the hotel's value and the exit, so a borrower whose current facility is in difficulty can still be considered, although the lender will want to know what went wrong and how the plan deals with it. An owner whose existing bridge is ending can move onto another bridge, known as [re-bridging](https://mortgagelane.com/definitions#def-re-bridging), which our [re-bridging loans](https://mortgagelane.com/short-term-finance/re-bridging-loans) page explains, or onto a term loan, which our page on [remortgaging after a bridging loan](https://mortgagelane.com/short-term-finance/remortgage-after-bridging-loan) covers. A term loan repays the bridge for good, while a second bridge buys more time at bridging cost. An operator planning to buy several hotels over a few years can also look at a [revolving credit facility](https://mortgagelane.com/mortgages/revolving-credit-mortgages), which in our experience can have an availability period of up to 5 years.

### Guest houses, B&Bs and boutique hotels

For guest house and B&B bridging loans, the building often combines the business with the owner's home, and that decides how the loan is regulated. Where the borrower is an individual and at least 40% of the property will be lived in by the borrower or a related person, the loan is normally a [regulated mortgage contract](https://mortgagelane.com/definitions#def-regulated-mortgage). The lender and the broker then follow the FCA's [Mortgages and Home Finance: Conduct of Business sourcebook (MCOB)](https://mortgagelane.com/definitions#def-mcob). In a building of two or more storeys the 40% is measured on the floor area of all the storeys added together. Where the owner's accommodation is smaller than that, or the borrower is a company, the loan is unregulated business lending. Some lenders also distinguish a guest house that could be used as a house again, which they may value as residential, from purpose-built hospitality. Our [guest house mortgages](https://mortgagelane.com/insights/guest-house-mortgages) page covers the term loans that follow when the owner keeps the business.

Under the RICS Common Auction Conditions, a hotel bought at auction completes 20 business days after the contract date unless the lot says otherwise. A term lender is unlikely to have underwritten the hotel and had a trading valuation done by then.

## How lenders value a hotel

**A hotel has two values for lending purposes, its value as a trading hotel and its value once trade has ceased, and which of them the lender uses sets the size of the loan.**

### Trading value and the profits method

The Red Book treats hotels as trade related property, valued principally by reference to their trading potential, and its guidance note VPGA 4 sets out the [profits method](https://mortgagelane.com/definitions#def-profits-method-valuation). The valuer first estimates the fair maintainable turnover that a reasonably efficient operator would expect to achieve with the hotel properly equipped, repaired, maintained and decorated. From that comes the fair maintainable operating profit the same operator would expect, after all its costs and an annual allowance for periodic spending such as decoration, refurbishment and replacing the furniture and equipment. That profit is capitalised at a rate of return reflecting the risk, and checked against sales of comparable hotels. For a trading hotel the result is reported as market value as a fully equipped operational entity having regard to trading potential. That basis takes in the land and buildings, the trade fixtures, fittings, furniture and equipment, and an assumed ability to obtain or renew the licences the hotel needs, and it is the basis of a going concern valuation.

The valuation measures what the hotel could earn under any competent operator. Turnover and costs that come only from the current owner's personal skill, reputation or brand are left out, and VPGA 4 defines that excluded element as personal goodwill. The trading potential that stays with the building is part of the property's value. In a 2022 tax case about two care homes valued under VPGA 4, the Court of Appeal held that there is one asset, the property, and that the guidance does not treat transferable goodwill as a separate asset ([HMRC v Denning \[2022\] EWCA Civ 909](https://caselaw.nationalarchives.gov.uk/ewca/civ/2022/909)). The valuer reads the hotel's own accounts where they exist, adjusted to what a reasonably efficient operator would achieve, alongside comparable sales and market trading data, including measures such as occupancy and [revenue per available room](https://mortgagelane.com/definitions#def-revenue-per-available-room).

### Vacant possession value, with trade ceased

Lenders also ask the valuer for a figure on the special assumption that trade has ceased, sometimes with the further assumptions that no trading records are available to a buyer and that the trade inventory has been removed. This is the figure lenders and agents call the [vacant possession](https://mortgagelane.com/definitions#def-vacant-possession) value: what the empty building would fetch, for a new operator after a closure or for another use where planning allows. VPGA 4 notes that reporting both bases is often required when a valuer advises a lender on a trade related property. For a hotel trading well, the figure with trade ceased is lower than the trading value. For a hotel trading badly it can be close to the trading value, or above it where another use is worth more.

### Which value the lender uses

Some hotel bridging lenders lend on the trading value, some only on the value with trade ceased, and some on the lower of the two or a blend of them, with a lower percentage applied to a trading value because it can fall with the trade. A closed hotel has no trade to evidence, so lenders rely on the value of the empty property. A hotel with no accounts under the current owner has a trading value that rests on the valuer's view of its potential, and lenders treat that with more caution than a value backed by accounts. Agree the basis with the lender before the valuer is instructed, so that the report answers the question the lender will ask.

### What else the valuer and the lender check

The report also covers the hotel's condition and the refurbishment it needs, the premises licence, fire safety, business rates, the tenure, and any franchise or management agreement. In England and Wales the premises licence passes to a buyer by a transfer application to the licensing authority ([Licensing Act 2003, section 42](https://www.legislation.gov.uk/ukpga/2003/17/section/42)). The person responsible for the premises must have a suitable and sufficient fire risk assessment ([Regulatory Reform (Fire Safety) Order 2005, article 9](https://www.legislation.gov.uk/uksi/2005/1541/article/9)). Scotland and Northern Ireland have their own licensing and fire safety law. A hotel tied to a long management contract, or let to an operator on a lease, is a different asset from one sold with vacant possession, and an investment hotel is valued on its rent. A lender lending to a company may also ask for [personal guarantees](https://mortgagelane.com/definitions#def-personal-guarantee) from the directors or a [debenture](https://mortgagelane.com/definitions#def-debenture) over the operating company.

## Hotel bridging exit: how the loan is repaid

**A bridging lender's first question is how it will be repaid, and for a hotel the [exit strategy](https://mortgagelane.com/definitions#def-exit-strategy) is one of three: a hotel mortgage, a sale of the hotel, or the sale or refinance of converted units.**

A hotel mortgage is a [commercial mortgage](https://mortgagelane.com/mortgages/commercial-mortgages) on the hotel once its accounts under the new owner support the loan. The term lender assesses the hotel on a trading valuation and on [debt service cover](https://mortgagelane.com/definitions#def-debt-service-coverage-ratio), meaning whether the operating profit covers the mortgage payments with a margin. On the hotel cases we arrange, hotel mortgages run up to 75% loan to value, over terms of 15 to 40 years. How much trading history the term lender wants under the new owner varies by lender, so the bridge term needs to leave room to produce it. Our guide to [hotel mortgages for operators](https://mortgagelane.com/guides/hotel-mortgages/operators) covers what term lenders ask of an owner who runs the hotel.

A buyer repositioning a hotel to sell it exits on the sale, and the lender asks for an agent's advice on the likely price and how long a sale would take. A conversion scheme exits on the sale of the units or on a buy to let or HMO refinance once they are let.

An exit that depends on the trade improving needs testing against the downside. If a hotel mortgage on the value with trade ceased would still repay the bridge, the exit holds even if the trade does not recover. If it repays the bridge only on an improved trading value, the borrower carries the trade risk, and a cash reserve or a fallback sale covers it. The worked example below shows the test, and our guide to [exit strategies and why bridging loans get refused](https://mortgagelane.com/guides/bridging-loan-guide/exit-strategies-and-why-bridging-loans-get-refused) covers the evidence lenders ask for.

## Hotel bridging loans and FCA regulation

**Most hotel bridging loans are not regulated by the FCA, because they are business loans secured on commercial property.** Article 61 of the [Financial Services and Markets Act 2000 (Regulated Activities) Order 2001](https://www.legislation.gov.uk/uksi/2001/544/article/61) makes a loan a regulated mortgage contract where the borrower is an individual or trustees and the loan is secured on land in the UK. At least 40% of that land must also be used, or intended to be used, as or in connection with a dwelling. For a loan taken for the borrower's business, as a hotel loan is, the exclusions in [article 61A](https://www.legislation.gov.uk/uksi/2001/544/article/61A) mean the loan is regulated only where that 40% is lived in by the borrower (or, for trustees, a beneficiary of the trust) or a related person. Article 61A also excludes some other loans, such as a second charge loan of more than £25,000 for the borrower's business. A related person is a spouse, civil partner or partner, or a parent, brother, sister, child, grandparent or grandchild. The 40% is measured on floor area, adding every storey of the building together. An owner's flat in a hotel rarely reaches 40% of the building, while the family's rooms in a small guest house or B&B can. A loan to a limited company falls outside the definition whoever lives in the building. A loan to an individual for the hotel business, on a hotel where less than 40% is lived in, is also exempt from consumer credit regulation ([article 60D](https://www.legislation.gov.uk/uksi/2001/544/article/60D)).

For FCA purposes a bridging loan includes a regulated mortgage contract with a term of 12 months or less ([FCA Handbook glossary](https://handbook.fca.org.uk/glossary/G2949)). A regulated bridge follows the MCOB rules, so the lender assesses affordability and needs evidence of a clearly understood and credible repayment strategy for a loan repaid in one sum. Where that strategy is a refinance onto a mainstream regulated mortgage, the lender should be reasonably satisfied that a mainstream lender will lend ([FCA Handbook, MCOB 11.6](https://www.handbook.fca.org.uk/handbook/MCOB/11/6.html)). A bridge secured on the borrower's own home to raise money towards a hotel is normally regulated as well, and our guide to [regulated bridging loans for homeowners](https://mortgagelane.com/guides/bridging-loan-guide/regulated-bridging-loans-for-homeowners) explains how that works. Mortgage Lane arranges both regulated and unregulated loans and establishes which applies before the application.

## How a hotel bridging loan is arranged

1. **Case review.** The property, tenure, trading history, purchase timetable, works and exit set out, and the valuation basis and indicative terms agreed with lenders whose criteria fit the case.
2. **Terms and valuation.** Terms issued and a Red Book valuer instructed on the agreed basis, before the auction where the hotel is being bought at one.
3. **Legal work.** The solicitors review the title, the premises licence and its transfer, the planning use, any franchise or management agreement, the transfer of the business and the VAT position, and any personal guarantees are signed.
4. **Completion.** The funds released, with the interest retained or rolled up, and any works money released in stages against the monitoring surveyor's reports.
5. **Exit.** Trading accounts built up for the hotel mortgage, or the hotel or the converted units sold, and the bridge repaid on or before the end of its term.

If you are buying a hotel, at auction or by private treaty, or need to refinance one, get in touch with the sales particulars, any accounts and the timetable. We set out which valuation basis fits, which lenders will consider the case and whether the exit clears on the value a term lender will use. The lender makes the final decision.

## Auction to term mortgage: the hotel bridging arithmetic

**A hotel bridge is sized on one value and repaid on another, so a buyer who checks only the first can complete the purchase and still fail the exit.**

### Step 1. The two values

An illustrative 24-bedroom hotel in England is bought at auction for £1,500,000. It is trading below its potential. The lender's Red Book valuation reports a trading value of £1,500,000 and a value on the special assumption that trade has ceased of £1,100,000. The buyer plans a £250,000 refurbishment paid from their own funds, and expects the trading value to reach £1,900,000 once the refurbished hotel has traded under them.

### Step 2. Sizing the loan on each value

Two lenders offer terms. One lends 60% of the trading value and the other 70% of the value with trade ceased. Both percentages are examples chosen to show the mechanics, not lender terms.

## Step 2 figures: sizing the loan on each value

*Step 2: sizing the loan on each value*

| Value lent against | Value | Gross loan to value, illustrative | Gross loan |
| --- | --- | --- | --- |
| Trading value | £1,500,000 | 60% | £900,000 |
| Value with trade ceased (vacant possession) | £1,100,000 | 70% | £770,000 |

Illustrative arithmetic on hypothetical figures. The loan to value percentages are examples chosen to show the mechanics, not lender terms.

The lender using the trading value advances £130,000 more, despite the lower percentage. A buyer short of cash will be drawn to it, and the larger loan rests on the trade holding up.

### Step 3. From gross loan to cash at completion

Both offers are set out with an illustrative 2% arrangement fee and 12 months' interest retained at an illustrative 0.75% a month. Neither is a quoted rate or fee.

## Step 3 figures: from gross loan to cash at completion

*Step 3: from gross loan to cash at completion*

| Item | Lender using the trading value | Lender using the value with trade ceased |
| --- | --- | --- |
| Value lent against | £1,500,000 | £1,100,000 |
| Gross loan (60% and 70%, illustrative) | £900,000 | £770,000 |
| Less arrangement fee (2%, illustrative) | £18,000 | £15,400 |
| Less retained interest (12 months at 0.75% a month, illustrative) | £81,000 | £69,300 |
| Net advance at completion | £801,000 | £685,300 |
| Purchase price | £1,500,000 | £1,500,000 |
| SDLT at non-residential rates (England) | £64,500 | £64,500 |
| Buyer's cash at completion, before legal and valuation fees | £763,500 | £879,200 |
| Refurbishment, paid by the buyer | £250,000 | £250,000 |
| Buyer's cash in total | £1,013,500 | £1,129,200 |

Illustrative arithmetic on hypothetical figures, worked with the calculator on this page. The fee and the 0.75% monthly rate are examples, not quoted fees or rates. SDLT uses the gov.uk non-residential rates as at October 2026. Not an offer of finance and not tax advice.

The gross loan is the sum the lender charges interest on, and it is repaid at the end; the [net loan](https://mortgagelane.com/definitions#def-net-loan) is what reaches the purchase. On the trading-value offer £801,000 arrives at completion, and the buyer finds £763,500 plus legal and valuation fees, then £250,000 for the works. The offer on the lower value needs £115,700 more from the buyer at completion. If the interest were rolled up instead, compounding monthly to the same £900,000 at the end of the term, the day-one loan would be about £822,800 and the net advance about £804,800, so the buyer would find about £3,800 less at completion.

The land tax depends on where the hotel is. On the same £1,500,000 price, LBTT in Scotland would be £63,500 and LTT in Wales £67,750, against £64,500 of SDLT in England or Northern Ireland, at the rates as at October 2026. The Scottish figure assumes no owner's flat that would attract the ADS.

*Illustrative arithmetic on hypothetical figures. The loan to value percentages, fee and interest rate are examples, not lender terms or quoted rates. Not an offer of finance and not tax advice.*

### Step 4. Testing the exit

The bridge is repaid at its gross figure. The exit is tested at three values, at the 75% hotel mortgage maximum on the cases we arrange.

## Step 4 figures: testing the exit at 75%

*Step 4: testing the exit at 75%*

| Value at exit | Hotel mortgage at 75% | Against the £900,000 trading-value bridge | Against the £770,000 bridge on the lower value |
| --- | --- | --- | --- |
| Trading value after refurbishment, £1,900,000 | £1,425,000 | £525,000 surplus | £655,000 surplus |
| Trading value unchanged, £1,500,000 | £1,125,000 | £225,000 surplus | £355,000 surplus |
| Trade falls and the lender relies on the value with trade ceased, £1,100,000 | £825,000 | £75,000 shortfall | £55,000 surplus |

Illustrative. 75% is the maximum hotel mortgage loan to value on the cases Mortgage Lane arranges, not a market rule, and a term lender also tests the operating profit against the payments. The bridge is repaid at its gross figure, with the interest retained at the start.

On the trading-value bridge the exit works if the trade improves or holds, and fails by £75,000 if the trade falls and the hotel mortgage lender looks to the building alone. The bridge sized on the value with trade ceased clears in all three cases, with £55,000 to spare at the lowest. The £130,000 between those two outcomes is the extra borrowing at Step 2. A buyer taking the larger loan can hold £75,000 in reserve, line up a sale as a fallback, or ask for a loan nearer the lower value. The 75% figure is also a ceiling: the hotel mortgage lender checks that the operating profit covers the payments, and a weak year's trading can hold the loan below it.

### What decides the case

Agree the valuation basis before the valuer is instructed, and size the bridge so the exit clears on the value the hotel mortgage lender will use. Start keeping the trading accounts for the refinance from the day of completion, because those are the accounts the term lender will read. The calculator on this page runs the same steps on your own figures.

## Related topics

- [2026](https://mortgagelane.com/short-term-finance/auction-property-loans)Mortgage[Bridging Loans for Auction](https://mortgagelane.com/short-term-finance/auction-property-loans)We assist borrowers with the best auction finance products on the market as well as super quick processing speeds![Read more about Bridging Loans for Auction](https://mortgagelane.com/short-term-finance/auction-property-loans)
- [2026](https://mortgagelane.com/guides/mortgages-auction-property-loans-details)Guide[Bridging Loans for Auction: detailed guide](https://mortgagelane.com/guides/mortgages-auction-property-loans-details)Detailed explanations and criteria for Bridging Loans for Auction.[Read more about Bridging Loans for Auction: detailed guide](https://mortgagelane.com/guides/mortgages-auction-property-loans-details)
- [2026](https://mortgagelane.com/guides/alternatives-to-bridging-loans/development-finance-as-an-alternative-to-bridging-loans)Guide[Development Finance as an Alternative to Bridging Loans](https://mortgagelane.com/guides/alternatives-to-bridging-loans/development-finance-as-an-alternative-to-bridging-loans)For property developers undertaking new-build schemes or major refurbishment projects, development finance provides a robust and purpose-built alternative to bridging loans. While similar in cost and short-term nature, development finance is structured specifically to support the full development lifecycle, including land acquisition and construction costs, making it more suitable for large-scale projects.[Read more about Development Finance as an Alternative to Bridging Loans](https://mortgagelane.com/guides/alternatives-to-bridging-loans/development-finance-as-an-alternative-to-bridging-loans)

## Hotel bridging loan calculator

The calculator sizes a hotel bridge, shows your cash at completion after the fee, the interest and the land tax, and tests the exit against a hotel mortgage at up to 75%. The starting figures are the auction example on this page, with the bridge on the £1,500,000 trading value and the exit on the £1,900,000 value after refurbishment. Enter your own price, values, lender's terms and the nation the hotel is in, and move the loan to value to see how much of the exit headroom the bridge uses.

Explore your borrowing

Start again

Enter your figures in pounds. Your estimate updates as you go.

Indicative maximum loan

\-

Enter your figures to see an estimate.

Loan to value

[Discuss your options](https://mortgagelane.com/contact)

Indicative estimate only, subject to lender criteria, affordability and valuation. The loan to value, fee and interest rate are illustrative inputs, not lender terms or quoted rates, and the land tax uses the published non-residential rates as at October 2026 on the whole price, so it is not tax advice. It does not add the Scottish Additional Dwelling Supplement that can apply to an owner's flat. This is not an offer of finance. Your property may be repossessed if you do not keep up repayments on a loan secured on it.

## Frequently asked questions about hotel bridging loans

**Q: What is a hotel bridging loan?**

faq-id: what-is-a-hotel-bridging-loan

A hotel bridging loan is a short-term loan secured on a hotel, used to buy, refurbish, refinance or convert it when a term mortgage cannot be arranged in time or the hotel does not yet qualify for one. The interest is retained from the advance, rolled up or paid monthly, and the whole loan is repaid in one sum from a hotel mortgage or a sale. The lender assesses the hotel's value, the borrower's experience and the exit more than monthly affordability, and most hotel bridging loans are unregulated business lending.

**Q: Can I use a bridging loan to buy a hotel before refinancing to a commercial mortgage?**

faq-id: can-i-use-a-bridging-loan-to-buy-a-hotel-before-refinancing-to-a-commercial-mortgage

Yes. A bridging loan can fund the purchase of a hotel where the purchase has to complete faster than a commercial mortgage lender can work, as at auction, or where the hotel's accounts do not yet support a commercial mortgage. The bridging lender looks at the hotel's value, the buyer's experience and the refinance plan before it lends. The commercial mortgage that repays it is assessed on the hotel's trading under the new owner, so the bridge term needs to leave time to build that record. On the hotel cases we arrange, the commercial mortgage runs up to 75% of the hotel's value.

**Q: How much can I borrow on a hotel bridging loan?**

faq-id: how-much-can-i-borrow-on-a-hotel-bridging-loan

How much you can borrow on a hotel bridging loan depends on which value the lender uses and the percentage it applies. A Red Book valuation gives a trading value and a value on the assumption that trade has ceased, and lenders differ on which they lend against. Some apply a lower percentage to the trading value because it can fall with the trade. The exit has to support the loan as well: a hotel bridge is repaid by a hotel mortgage, which on the cases we arrange runs up to 75% of the hotel's value, or by a sale.

**Q: How quickly can a hotel bridging loan complete?**

faq-id: how-quickly-can-a-hotel-bridging-loan-complete

A hotel bridging loan can complete within an auction timetable, which under the RICS Common Auction Conditions is 20 business days after the contract date unless the lot's conditions say otherwise, provided the lender has reviewed the legal pack and instructed its valuer early. A hotel valuation needs the trading information and a specialist valuer's inspection, so it is worth starting before the purchase is agreed. A franchise or management agreement, a premises licence to transfer or a sale by an administrator adds time, because the title and trading documents need more review.

**Q: How do lenders value a hotel for a bridging loan?**

faq-id: how-do-lenders-value-a-hotel-for-a-bridging-loan

Lenders value a hotel for a bridging loan with a Red Book valuation by a valuer registered with the Royal Institution of Chartered Surveyors (RICS). Under the RICS guidance VPGA 4 the valuer uses the profits method: the fair maintainable turnover a reasonably efficient operator could achieve, the operating profit that turnover would produce, and a capitalisation of that profit checked against comparable sales ([RICS: Valuation Global Standards](https://www.rics.org/profession-standards/rics-standards-and-guidance/sector-standards/valuation-standards/red-book/red-book-global)). The valuer also reports a value on the assumption that trade has ceased. Lenders differ on which of the two figures they lend against, and some use whichever is lower.

**Q: What is the difference between trading value and vacant possession value?**

faq-id: what-is-the-difference-between-trading-value-and-vacant-possession-value

Trading value is a hotel's market value as a fully equipped operational entity, assessed on the profit a reasonably efficient operator could make there. Vacant possession value is its value on the assumption that trade has ceased, as an empty building for a new operator or another use. For a hotel trading well, the trading value is usually the higher of the two. For a hotel trading badly the two can be close, and an alternative use can make the empty value higher. Some lenders apply a lower loan to value to the trading value because it can fall with the trade.

**Q: Do bridging lenders lend against hotel goodwill?**

faq-id: do-bridging-lenders-lend-against-hotel-goodwill

Bridging lenders take their main charge over the hotel's freehold or long leasehold, and goodwill is not valued as a separate asset, although a lender lending to a company may also take a debenture over the operating company. A Red Book trading valuation already reflects the hotel's trading potential and its fixtures, fittings and equipment. In a 2022 tax case about two care homes, the Court of Appeal held that such a valuation values one asset, the property ([HMRC v Denning \[2022\] EWCA Civ 909](https://caselaw.nationalarchives.gov.uk/ewca/civ/2022/909)). Personal goodwill, the part of the profit that comes from the current owner's own skill or reputation and would leave with them, is excluded from the value. Trading stock and consumables are normally excluded too.

**Q: Can I get a bridging loan on a closed hotel?**

faq-id: can-i-get-a-bridging-loan-on-a-closed-hotel

Yes, some bridging lenders lend on a closed hotel, including one sold by an administrator or receiver. With no current trade to evidence, the lender bases the loan on the valuer's figure for the empty property, which allows for the cost and time of refitting, relicensing, recruiting staff and rebuilding the trade. The rise in value from reopening is captured later, when the hotel has traded under its new owner and is refinanced onto a hotel mortgage on its trading value. Sales by insolvency practitioners tend to come with limited warranties and short timetables, so the legal review matters.

**Q: Can I buy a hotel at auction with a bridging loan?**

faq-id: can-i-buy-a-hotel-at-auction-with-a-bridging-loan

Yes. A bridging loan suits a hotel bought at auction because contracts exchange when the hammer falls and completion follows quickly: 20 business days after the contract date under the RICS Common Auction Conditions, unless the lot's conditions set another date. The deposit under those conditions is 10% of the price or the auctioneer's minimum, whichever is greater, paid on the day. The lender should review the legal pack and instruct its valuer before the auction so completion is not delayed, and the exit, such as a hotel mortgage once the hotel has traded under the new owner, is tested at the same time.

**Q: Can a bridging loan fund hotel refurbishment?**

faq-id: can-a-bridging-loan-fund-hotel-refurbishment

Yes. A bridging loan can fund the purchase while the buyer pays for a light refurbishment, or the lender can release the works money in stages after a monitoring surveyor inspects each one. Lenders that fund works look at the value after the works as well as today's value and set their own limits on both. Heavier work with structural changes, extensions or a change of use is usually funded as development finance instead. A hotel that keeps trading during the works can also fund them with a further advance from its existing lender or a capital expenditure facility.

**Q: Can I convert a hotel to flats with a bridging loan?**

faq-id: can-i-convert-a-hotel-to-flats-with-a-bridging-loan

Yes. A bridging loan can fund the purchase of a hotel for conversion while planning permission is sought, and the conversion itself where permission is in place, with the bridge repaid from the sale of the flats or a refinance once they are let. In England a hotel is in use class C1, and changing it to flats needs planning permission, because the national permitted development rights include no change from a hotel to homes ([General Permitted Development Order 2015, Schedule 2, Part 3](https://www.legislation.gov.uk/uksi/2015/596/schedule/2/part/3)). Wales, Scotland and Northern Ireland have their own planning rules. A conversion with substantial building work may be funded as development finance instead.

**Q: Can a hotel be converted to an HMO?**

faq-id: can-a-hotel-be-converted-to-an-hmo

Yes, with planning permission. In England a hotel is in use class C1, and a house in multiple occupation is in class C4 or, above six residents, sui generis; no permitted development right allows the change from a hotel. The finished property also has to meet the council's HMO rules, and in England an HMO let to 5 or more people forming more than one household needs a mandatory licence ([gov.uk: HMO licences](https://www.gov.uk/house-in-multiple-occupation-licence)). A bridging loan can fund the purchase and the works, and an HMO mortgage on the converted property repays it once it is let.

**Q: How do you exit a hotel bridging loan?**

faq-id: how-do-you-exit-a-hotel-bridging-loan

A hotel bridging loan is repaid by refinancing onto a hotel mortgage once the hotel's accounts support one, by selling the hotel, or, for a conversion, by selling or refinancing the finished units. The lender asks for evidence of the exit at application, such as indicative terms from a term lender or an agent's advice on the sale price and timescale. A hotel mortgage lender assesses the hotel on a trading valuation and on whether the operating profit covers the payments, so test the exit against the value that lender will use, including the value if trade falls.

**Q: How long do I need to trade before refinancing a hotel bridge?**

faq-id: how-long-do-i-need-to-trade-before-refinancing-a-hotel-bridge

Hotel mortgage lenders each set how much trading history they want under a new owner, so check with the likely term lender before choosing the bridge term. They assess the hotel on its trading accounts. A buyer who keeps the hotel trading as before has an unbroken record for the lender to read, while one who closes it for works starts the record again when it reopens. The bridge term should leave time to produce the accounts the term lender will read, or the exit should rest on a sale instead.

**Q: What loan-to-value can I get on a hotel mortgage after bridging?**

faq-id: what-loan-to-value-can-i-get-on-a-hotel-mortgage-after-bridging

On the hotel cases we arrange, a hotel mortgage after a bridging loan runs up to 75% loan to value, and a case can complete below that. The term lender measures the loan against a trading valuation and also checks that the hotel's operating profit covers the payments with a margin, so weaker trading can hold the loan below 75%. The refinance has to repay the whole bridge, including any rolled-up interest and exit fee, so test the exit against the value the term lender will use before committing to the bridge.

**Q: Is a hotel bridging loan regulated by the FCA?**

faq-id: is-a-hotel-bridging-loan-regulated-by-the-fca

Most hotel bridging loans are not regulated by the Financial Conduct Authority (FCA), because they are business loans. A loan to an individual or trustees is normally a regulated mortgage contract where at least 40% of the property is used, or intended to be used, as a dwelling by the borrower or a related person ([Regulated Activities Order, article 61](https://www.legislation.gov.uk/uksi/2001/544/article/61) and [article 61A](https://www.legislation.gov.uk/uksi/2001/544/article/61A)). The 40% is measured on floor area across all storeys, and for trustees the test looks at a beneficiary. That can happen in a small guest house or B&B, and rarely in a hotel with an owner's flat. Some loans are excluded even then, such as a second charge business loan of more than £25,000, and a loan to a company is not regulated.

**Q: Can I get a bridging loan for a guest house or B&B?**

faq-id: can-i-get-a-bridging-loan-for-a-guest-house-or-bb

Yes. Bridging lenders lend on guest houses and bed and breakfast properties, assessed as hospitality property or, where the building could be used as a house again, sometimes as residential. Where the borrower is an individual and the borrower or their family will live in at least 40% of the property, the loan is normally a regulated mortgage contract. The lender then follows the FCA's Mortgages and Home Finance: Conduct of Business (MCOB) rules, including an affordability assessment and a credible repayment strategy. Where the living space is smaller, it is unregulated business lending. The exit can be a guest house mortgage once the business has traded under the new owner, or a sale.

**Q: Can a first-time hotel buyer get a bridging loan?**

faq-id: can-a-first-time-hotel-buyer-get-a-bridging-loan

Some bridging lenders will lend to a first-time hotel buyer. They look at the buyer's wider business experience, the strength of the exit and whether an experienced manager or operator will run the hotel. Terms can be tighter than for an established hotelier, and fewer lenders will consider the case. The exit needs the same scrutiny, because hotel mortgage lenders also look for relevant operating or management experience before they refinance the bridge, and the trading record built under the new owner is what they will read.

**Q: What costs are involved in a hotel bridging loan?**

faq-id: what-costs-are-involved-in-a-hotel-bridging-loan

The main cost of a hotel bridging loan is the interest, which is retained from the advance, rolled up or paid monthly. On top come an arrangement fee, an exit fee on some loans, the Red Book valuation by a specialist hotel valuer, the lender's legal costs and your own, and monitoring surveyor fees where the lender funds works. On a purchase, land tax at non-residential rates and any VAT that applies are paid as well. Compare offers on the total cost to the date the loan is likely to be repaid, since a lower rate with higher fees can cost more over a short term.

**Q: Do I pay stamp duty when buying a hotel?**

faq-id: do-i-pay-stamp-duty-when-buying-a-hotel

Yes. A hotel is non-residential property, so a purchase in England or Northern Ireland pays Stamp Duty Land Tax (SDLT) at the non-residential rates. As at October 2026 they are 0% up to £150,000, 2% from £150,001 to £250,000 and 5% above, which comes to £64,500 on a £1,500,000 hotel ([gov.uk: non-residential and mixed rates](https://www.gov.uk/stamp-duty-land-tax/nonresidential-and-mixed-rates)). An owner's flat does not change that, because mixed property pays the same rates. Scotland charges Land and Buildings Transaction Tax at non-residential rates, £63,500 on the same price, plus the 8% Additional Dwelling Supplement on the flat's share of the price where the buyer is a company or will own another home. Wales charges Land Transaction Tax, £67,750. A solicitor or tax adviser confirms the figure for a particular purchase.

## Talk it through with an adviser

Let’s talk property finance

## Contact us

**Call our team:** [+44 333 231 8206](tel:+443332318206)
**Email us:** [enquiries@mortgagelane.com](mailto:enquiries@mortgagelane.com)
**Opening hours:** Monday to Friday, 9am–6pm Closed Saturday and Sunday

Your enquiry goes to our team, who will get in touch to discuss your next steps.

Fields marked  are required.

First name

Last name

Email

Phone

What can we help with?    Residential mortgage  Remortgage  Buy to let  Bridging finance  Commercial  Something else

Tell us about your enquiry

I am happy to receive occasional mortgage news and rate updates.

Send enquiry

We use your details to respond to your enquiry and, if you opt in, send updates. See our [privacy policy](https://mortgagelane.com/privacy-policy).

Published: 2026-10-08

Last reviewed: 2026-10-08

Source: https://mortgagelane.com/short-term-finance/hotel-bridging-loans