Hotel Bridging Specialists
Expert lenders for hotels, B&Bs and hospitality properties
Hotels and hospitality properties are trading businesses requiring specialist valuation approaches. These lenders understand RevPAR, occupancy analysis, and the cyclical nature of hospitality.
What these specialists cover:
Hotels (all sizes)
Guest houses and B&Bs
Serviced apartments
Holiday let portfolios
Pub with accommodation
Specialist Lenders
| Lender | Rate From | Max LTV | Loan Range | Notes |
|---|---|---|---|---|
| Shawbrook | 0.65% /mo | 60% | £500,000 - £30,000,000 | Strong hotel lending track record. Will consider non-trading for repositioning. |
| Together | 0.72% /mo | 55% | £100,000 - £5,000,000 | Good for smaller hotels and B&Bs. Flexible on trading history. |
| Octopus Real Estate | 0.60% /mo | 65% | £2,000,000 - £100,000,000 | Specialist hospitality team. Portfolio deals and larger hotels. |
| Glenhawk | 0.68% /mo | 60% | £500,000 - £25,000,000 | Strong on boutique hotels and conversion projects. |
Common Questions
How do lenders value hotels?
Hotels are valued on a trading basis using EBITDA multiples, plus alternative use value for property-led deals.
Can I bridge a non-trading hotel?
Yes, but LTV is lower (typically 50-55%) and you'll need to show turnaround/repositioning plan.
Is B&B bridging available?
Yes, several lenders will fund smaller guest houses and B&Bs, often treating them as semi-commercial.
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