Commercial Mortgages for Hotels

Confidence in the trading performance of the hotel sector is currently very strong, with the result that funding is becoming more widely available. The sector offers sound, long-term income streams, attractive returns and opportunities to add value – factors that are recognised and appreciated by lenders and investors alike.

Occupancy levels in the UK are high – over 75% in the provinces and over 80% in London. RevPAR (revenue per available room) and ADR (average daily rates) are also continuing to grow.

Whether you intend to purchase a hotel, or extend or upgrade premises you already own, Christie Finance will help you get the funding you need. 

As an independent broker, Christie Finance is not tied to any particular lender. We have established and trust-based relationships with the leading lending institutions. We know which ones are financing the hotels sector, and whom to approach to get the best deal for you.

Hotel loan features

The terms of a commercial loan against a hotel will vary considerably from lender to lender but, as a general rule, the following may apply:

70% - 80%
loan to business value ratio
15-25
year mortgage term
Get a quote

The Christie Finance Team


At Christie Finance we understand that for many people investing in a hotel is not just a business decision but the start of a life-changing journey. Rest assured that we will be with you all the way – understanding your requirements and explaining your options. Our experienced and knowledgeable Consultants will guide you through the finance options and mortgage application process, from your initial enquiry to completion. But we don’t leave it there: We are always available to discuss and review your commercial mortgage to ensure it is as competitive as possible.

Key considerations
When you are thinking about buying a business there are various things that both you and a potential lender will need to consider:

  • Experience – do you have the right level of experience to run the business? How will you run it?

  • Performance – how well is the business doing? Is it in a good location? Is there enough profit in the business to be able to repay a loan easily and allow you to take enough out of the business for yourself?

  • Contribution – what are you able to invest in the business (savings, other properties, etc.)?

  • Personal history – do you have a clear credit history?

Christie & Co have over 376 independent hotels currently for sale, with new businesses added regulary.

View All Businesses

Factors Affecting Your Loan Application

There are a number of factors which can help to make your hotel application more attractive to a lender:

  • A deposit of 30% or more
  • Additional security
  • Business plan
  • Proof of experience
  • Good credit history
  • Two years' trading accounts and income projections
  • Strong proposal from Christie Finance

Our commercial mortgage services

We’ve been helping first-time buyers and existing business owners secure funding for over 35 years.

What makes Christie Finance different?

Local

National coverage across the UK

Project management

From intial enquiry to completion - saving your precious time and money

Quick responses

Rapid business and commercial mortgage decisions

Relationship - C&Co

Our brokers can access the best new businesses for sale

Specialist knowledge

Over 35 years experience in our specialist sectors

Tailored loan options

Fixed and discounted rate available

The 'Christie' name

Adds credibility to the proposal - buying you a better deal

We are independent

We have no tie to any one lender

Find out more about commercial mortgages