PRIVATE FINANCE FOR

Hotels

Are you considering buying or remortgaging a hotel?

Are you considering buying or remortgaging a hotel?

We handle over £300 millions of real estate enquiries every month, from
castles in France, to private islands to mansions in the UK. Give us a call today

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Years of Experience

Making the impossible possible is how we have created many solutions for private clients. Financing a luxury real estate can be complicated but we can make this process as simple as possible.

Securing a Mortgage for a Hotel Purchase or Remortgage

Are you considering buying or remortgaging a hotel? Securing finance for such a substantial investment requires a tailored approach. At Million Plus Private Finance, we specialise in providing bespoke mortgage solutions designed to meet your specific needs.

What Type of Mortgage Do You Need to Buy a Hotel?

To purchase a hotel, you’ll require a commercial mortgage. Fortunately, there are numerous lenders willing to finance hotel acquisitions, accommodating various circumstances.

Commercial mortgage deposit requirements are typically higher than those for residential home loans due to increased risk. Expect to provide at least a 25% deposit, with a maximum Loan to Value (LTV) of 60% being common for hotel mortgages.

What If You Have No Money for a Deposit?

If you’re unable to provide a 25% deposit then it may be possible to secure you a mortgage with a higher LTV or even a 100% hotel mortgage, should you have other assets which can secure the loan.

Commercial hotel mortgages are evaluated on a case-by-case basis, focusing on business plans and financial projections rather than personal finances, unlike residential mortgages.

Which Lenders Offer These Mortgages and at What Rate?

Interest rates vary depending on your circumstances and the lender. Rates typically range from 2% to 6% above the Bank of England base rate.

Larger loan amounts can provide more options and potentially lower rates, as smaller hotel mortgages often attract higher interest rates due to fewer lenders considering them viable.

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Interest-Only Commercial Mortgages

Interest-only commercial mortgages offer lower initial monthly payments, beneficial for cash flow during initial hotel operations or renovations.

How to Get a Hotel Mortgage

Turning your hotel ownership dream into reality or expanding your existing portfolio involves several key steps:

Eligibility Criteria

Successful applications hinge on a robust business case and factors such as:

Why Choose Million Plus Private Finance?

If you’re ready to explore how Million Plus Private Finance can assist you in securing the ideal mortgage for your hotel purchase or remortgage, contact us today. We look forward to discussing your goals and helping you achieve them.

Million Plus Private Finance

YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT

Changes in the exchange rate may increase the sterling equivalent of your debt. The Financial Conduct Authority does not regulate finance, foreign currency mortgages, bridging finance, secured loans, and some aspects of commercial mortgages. You may have to pay an early repayment charge to your existing lender if you re-mortgage.

 

By listing with us, you adhere to our Terms & Conditions – PLEASE READ BEFORE LISTING

Your home or property may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.
 
Million Plus is a trading style of Million Plus.com International Limited refers all finance enquiries to Million Plus Private Finance Limited, FCA number 1006539 is an appointed representative of TMG Direct Limited which is authorised and regulated by the Financial Conduct Authority under Firm Reference No:786245 and registered with the Data Protection Act 1988 Registration No: ZA178200.
 
Million Plus.com International Limited is registered in Guernsey No: 66225. Million Plus Private Finance Limited is registered in England and Wales No: 08503362. Registered Address: Azets Burnham Yard, Beaconsfield, Bucks, United Kingdon, HP9 2JH.
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