Running or investing in a hotel or B&B?
Welcome to Momentum Mortgages – your commercial mortgage broker specialists
Based in Sevenoaks, Kent and serving clients throughout London and the whole of the UK
At Momentum, we work with a wide range of lenders who understand the hospitality sector – including those who support seasonal businesses, part-time operators, and mixed-use properties.
A commercial mortgage for a hotel or B&B is a loan secured against a property used for overnight accommodation and guest services. That might be a seaside guesthouse, a country inn, a boutique hotel, or a larger, branded operation.
These mortgages are tailored to hospitality businesses and are assessed quite differently from standard commercial or buy-to-let finance.
We can also help with semi-commercial setups (e.g., hotel with owner’s accommodation) and limited company or pension scheme purchases.
Yes – and this is where working with a specialist broker makes a big difference. Many lenders are open to part-year trading or lifestyle-led businesses, especially in tourist hotspots or rural locations.
We’ll help present your case in the right way, showing how the business model works – even if income is concentrated into just part of the year.
Lenders typically offer up to 70–75% loan-to-value (LTV) on hotels and B&Bs, although more may be possible depending on your experience, trading performance, or if additional security is offered.
Loan sizes generally start at £50,000 and can exceed £5 million for larger or branded hotels.
If you’re buying a B&B or hotel that’s not currently trading, or planning a refurbishment, we can help you explore bridging or development finance options as part of the journey.
We don’t do one-size-fits-all. Hospitality is a hands-on business, and so is our advice.
We’ll take the time to understand your goals and challenges, and then work hard to find you the right deal – even if your case is a little unusual.
Talk to us about hotel & B&B finance
Whether you’re opening your dream B&B or scaling up your hotel portfolio, we’re ready to help.
