Business Details
40 Years
experience
Your Trusted Financial Partner for Hospitality Business Mortgages
Established in 1986, Business Mortgage Solutions has built an unparalleled reputation as a specialist finance broker for pubs, hotels, restaurants, and guest houses. Our deep sector knowledge and relationships with senior lending managers enable us to secure competitive funding solutions tailored to the hospitality industry's unique challenges. We prioritise early-stage feasibility assessments, ensuring clients pursue achievable opportunities while providing comprehensive support through business planning, financial forecasting, and lender negotiations.Our team's expertise extends to navigating complex accounting scenarios, structuring robust proposals, and advising on valuation strategies to maximise funding success. With a proven track record of securing over 100 million in commercial mortgages, we remain committed to delivering transparent, client-focused solutions that transform hospitality business aspirations into reality.
Services
Pub & Restaurant Mortgages
Hotel & Guest House Financing
Leasehold Business Loans
VAT Loan Arrangements
Business Mortgage Calculators
Details
- Year established: 1986
Highlights and features
- 38 years of specialist experience in hospitality sector financing
- Direct relationships with senior lending managers at major institutions
- Tailored business plan development with cash flow forecasting support
- Proven success in securing funding for businesses with complex accounts
- Expert guidance on valuation strategies and purchase price negotiations
Associations and certifications
- Financial Conduct Authority
- National Association of Commercial Finance Brokers
What people say
Truly excellent service
Expert guidance
Glowing reviews
Highly recommended
Successful funding
Services
Pub & Restaurant Mortgages
We specialise in arranging mortgages for pubs, restaurants, and gastro pubs across the UK. Our expertise includes securing funding for businesses with varying account histories, negotiating optimal loan terms up to 20 years, and providing VAT loan solutions. With lender relationships developed over 38 years, we deliver tailored financing that considers property value, business goodwill, and inventory.
Hotel & Guest House Financing
Our team arranges financing for hotels and guest houses ranging from small B&Bs to large establishments. We secure loan-to-value ratios up to 75%, offer 25-year repayment terms, and understand the unique financial considerations of seasonal trading and VAT threshold management. Our lenders appreciate lifestyle business models while maintaining commercial viability.
Leasehold Business Loans
We provide specialist financing solutions for leasehold pubs and restaurants, addressing security challenges through collateral arrangements or Enterprise Finance Guarantee Scheme support. Our services include purchase cost budgeting, advance rent planning, and structuring cash contributions alongside secured loans for leasehold acquisitions.
Business Mortgage Calculator
Our interactive calculator helps clients estimate financing options for hospitality businesses. It considers purchase price, loan terms, and security value to provide preliminary funding scenarios. This tool enables informed decision-making before formal lender engagement, streamlining the mortgage application process.
VAT Loan Arrangements
We arrange short-term VAT loans to cover purchase-related VAT payments, with flexible repayment terms until reclaim. This service ensures clients maintain cash flow while meeting initial financial obligations, particularly for freehold acquisitions where VAT applies to the purchase price.
Questions
What types of hospitality businesses do you finance?
We specialise in pubs, hotels, restaurants, guest houses, and leasehold businesses across the UK.
Can you help with businesses having poor accounts?
Yes, we restructure financial projections and work with lenders understanding sector-specific challenges.
What loan terms do you offer?
Terms up to 25 years with loan-to-value ratios between 50-75% depending on business type.
Do you charge arrangement fees?
We avoid lenders charging arrangement fees, focusing on transparent financing solutions.
How do you differ from high street banks?
Our specialist lenders understand hospitality dynamics, offering tailored solutions beyond standard banking criteria.