Commercial Mortgage For a Hotel

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Commercial Mortgage For a Hotel

We specialise in refinancing hotels and raising commercial mortgages for the purchase of hotels in the UK and Europe.

Securing a commercial mortgage through some traditional lenders for the purchase of a hotel can be a long, drawn-out process. It is not uncommon for commercial mortgage applications to some conventional lenders to take weeks or even months to process.

As a specialist property finance broker, Clifton Private Finance can help you avoid traditional lenders’ laborious application process and swiftly find the best financial solution for your hotel purchase.

  • Finance from £100,000
  • Our strength as a specialist mortgage broker is providing access to high value mortgage finance
  • We have expertise in hospitality financing and have an extensive list of hotel mortgage lenders that provide the best hotel financing terms and rates 
  • Short term bridging and long term lending options from 3 months to 30 years
  • Borrow up to 75% of the property value (in some cases this can be higher)
  • We are independent and have strong relationships with many commercial lenders including Lloyds, HSBC, Barclays, NatWest

Commercial Mortgage Success Stories

Cost-Effective Commercial Mortgage for Retail Store
Cost-Effective Commercial Mortgage for Retail Store
Area
London
Capital Raised
£840k
Date
Case Study: Commercial Mortgage Restructuring Yields Savings for Healthcare Business
Commercial Mortgage Restructuring Yields Significant Savings for Healthcare Business
Area
London
Capital Raised
£2m
Date
Large Property Portfolio Remortgage | 18 London BTL Properties Refinanced
London Landlord Remortgages 18 Properties on Same Day
Area
London
Capital Raised
£6.7m
Date

 See All Business Finance Case Studies

Why Our Customers Trust Us

With expert guidance, commercial finance can provide an essential, versatile, and cost-effective solution.

business finance rates

Market-Leading Rates

We provide access to market-leading rates for every client, thanks to our relationships with commercial finance lenders across the market.

Award Winning Team

Multi-Award-Winning Team

Our team of commercial finance advisers have years of experience and are qualified to the highest level. We're proud to have numerous customer service awards to our name.

independent advice

Fully Independent

As an independent brokerage, we focus on your best interests when comparing commercial finance options: from costs and terms to speed of service.

To book a free, no-obligation call with an adviser to discuss your options, contact us today.

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Our Experts

Our dedicated commercial finance team have deep industry knowledge and years of experience.

Meet The Team

Jon Moffatt

Jonathan Moffatt

Head of Business Finance

Ben Francis

Ben Francis

Finance Executive

James Ellcaott

James Ellacott

Commercial Finance Broker

How We Work

1. Get a Customised Quote

Our commercial finance brokers will get an understanding of your business and your requirements, look at your financial forecasts and accounts, and provide a sense-check on what product(s) will best fit your needs, as well as how much you could borrow, and what the costs and terms could look like.

2. Compare Options

When you’re happy with the proposed solution, we’ll go away and compare options across the market. We’ll often present a range of choices ranging from lowest cost to most flexible, and we’ll talk you through the pros and cons of each if it’s a close decision.

3. Submit Your Application

If you’re happy with the terms we can source, we’ll handle the paperwork and submit your application for you. We’ll handle any issues and questions that may arise from the lender, and we’ll keep chasing your application to ensure funds are released as quickly as possible.

4. Receive Funds

You receive your finance success! We’ll always be here for any ongoing questions or support you require during your loan term. 

Speak to a commercial finance specialist today

Get the funding your business needs to reach its full potential. We’ll guide you through the process and take care of the heavy lifting. 

Check Eligibility

Authors

Guide to Commercial Mortgages For Hotels

with Jonathan Moffatt & Sam Hodgson

Last Updated: 13/02/25

Commercial Mortgage Service

Our commercial hotel mortgage service provides:

  • Access to the whole market – We can compare most UK lenders who are prepared to provide commercial mortgages for hotel purchases.
  • Terms of finance – We can arrange both short-term and long-term lending options from 3 months to 30 years.
  • 75% LTV – We can source commercial mortgages up to 75% of the hotel’s value (in some cases, this can be higher).
  • Finance within a short period of time – Contact us today and we can secure the funding you need quickly.

How to Get a Commercial Mortgage for a Hotel

Without an in-depth knowledge of the commercial mortgages available, you may struggle to find the best financial solution for you. 

We pride ourselves on arranging bespoke financial solutions for our clients’ needs.

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Frequently asked questions

You can find the most common questions asked about commercial finance below. If you have a question that isn't answered here, please email us at commercial@cliftonpf.co.uk

Commercial finance is a type of financing exclusively for use by businesses, but there's a huge variety of uses. Commercial finance refers to property, vehicles, assets, and even funding for the upfront costs of businesses. It's a great source of financing for smaller businesses looking to develop and grow.

Commercial brokers are essential mediators between clients and lenders, they will consult with business owners, analyse their financial records, and reach out to lenders to acquire a loan with the best possible interest rate. Commercial brokers will liaise on several loan types, from properties to vehicles, and more.

When applying for commercial finance, your eligibility for certain loans will depend entirely on a few factors: creditworthiness, financial history, and business performance. It's important for a lender's comfort that you have the financial solidity to pay your commercial loan and a history of paying your debts to demonstrate that the loan will be paid on time.

Suppose your creditworthiness or overall business health suggests you cannot acquire the desired commercial financing. In that case, you'll likely face much larger interest rates to reduce lender comfort or even complete denial.

Commercial finance is an effective way of securing capital, without reducing a business's cash flow. It's primarily focused on specific commercial needs, such as stock, new equipment, or real estate. Unlike the broader term, 'business finance', commercial finance is tied specifically to growth, expenses and acquisition.

When it comes to financing solutions, commercial finance offers an array of products for business owners to choose from, here are some of the primary choices:

Term Loan:

A term loan is a type of loan where a company receives a lump sum to repay over a set term. For example, a company borrows £100,000 to repay monthly for a fixed period of five years. This commercial finance product is useful for smaller businesses that require funding for operational costs, including employee payment and stock inventory.

Asset-based Lending:

Asset-based lending is a loan that is secured against an asset from a business, known as collateral. Should you fail to repay your loan, the lender can then seize the asset to repay the debt accrued. Whilst repaying a loan, the asset linked to the loan itself is still owned by the business, but if you decide to sell the linked asset, you must repay the loan in full.

Invoice financing:

For countless industries, an invoice for a product or service can have delays of up to 90 days, leaving your business short on cash flow which could otherwise be spent on upfront costs and even growth. Invoice finance is a specialised loan for businesses with significant unpaid invoices (accounts receivable) which are then used as collateral by lenders. The lender assumes the debt of the business and therefore will collect the accrued invoices to pay the debt owed, relieving the pressure from the business owner.

Trade finance:

Trade financing is a product which is designed to facilitate international trading, providing capital for upfront international trading costs.

Equipment leasing:

If your business is reliant on equipment to run, be it a computer or a crane, equipment leasing is a cost-effective way of acquiring technology that you might need for the operation of your business. Over time, the business owner completes monthly repayments of the equipment during a specified term, but what happens after the payment period is dependent on your contract terms. 

Lenders can offer a lump sum or balloon payment for the business owner to purchase the equipment, allowing the business to fully own it. Those who only need equipment temporarily, however, can stick to the monthly payments and return the equipment after the lease has ended.

Let us do all the hard work of finding the right product and lender for your circumstances. We secure business finance for applications of all types, and we negotiate competitive lending to meet your needs and timescales.

Jonathan Moffatt
Head of Business Finance

Book a consultation and speak to one of our experts today