8
Towns covered
Locations
Hospitality property finance across Berkshire
Commercial mortgages, bridging, development finance and refinance for hotels, pubs, restaurants, guest houses and holiday businesses across 8 towns in Berkshire.
7,722
Transactions, last 12 months
£5bn
UK hotel investment (Savills)
483
Live commercial schemes
We arrange hospitality property finance across Berkshire: commercial mortgages, acquisition and refurbishment bridging, development finance and refinance for hotels, pubs, restaurants, guest houses, holiday lets and the rest of the visitor economy. We work with operators and investors, matching each trading asset and its income to the lenders that fund the format on a going-concern basis.
Berkshire sits in the South East market. Oxford, Brighton and the Thames Valley combine high-value city-break, coastal and business hospitality demand close to London, with constrained supply supporting rate. Windsor Castle, an official royal residence, anchors the county's visitor economy. Royal Ascot and the Thames Valley draw event and leisure trade. Choose a town below for its local market and exit picture, or talk to us about an asset anywhere in the county.
Finance
The finance we arrange in Berkshire
The structures we use to fund a hospitality business, alone or together.
Commercial mortgages
The long-term loan that funds the purchase or refinance of a trading hospitality asset, secured on the property and sized on the income the business produces. A hospitality commercial mortgage is underwritten on occupancy, room rate, wet and dry sales and the trading accounts as much as on the value of the bricks, so it is placed with the specialist lenders who understand a going concern. We arrange and place these facilities across the UK.
Bridging finance
The short-dated, secured loan that moves faster than a term mortgage, funding a hospitality purchase, an auction lot, a refurbishment or a chain-break where speed or condition rules out a conventional mortgage. A bridging loan is priced per month and repaid by a defined exit, a term refinance or a sale, so the exit matters as much as the security. We arrange and place bridging finance across UK hospitality property.
Development finance
The staged facility that funds building or converting a hospitality asset, from a ground-up hotel to an office turned into aparthotels, drawn against a monitoring surveyor as the works progress. Development finance is sized on the cost to build and the value the finished scheme will reach, then repaid by a sale or a term refinance once the asset is complete and trading. We arrange and place development finance across UK hospitality.
Business loans
The fixed-term loan that funds the trade rather than the bricks: working capital, a fit-out, a seasonal cashflow gap or an expansion for a hotel, restaurant, pub or guest house. A hospitality business loan can be secured or unsecured and is sized on the trading performance and cashflow of the business, so the strength of the accounts, not just the property, sets what is available. We arrange and place business loans across UK hospitality.
Refinancing
The refinance that replaces existing debt on a trading hospitality asset with a better facility: a keener rate, a longer term, a move off maturing bridge or development finance, or a cash-out that releases equity once the trade and the value have grown. A commercial refinance is sized on the income the business now produces and the interest cover it gives, so a stronger trade raises more. We arrange and place hospitality refinances across the UK.
VAT loans
The short bridge that funds the VAT charged when you buy a commercial hospitality property, covering the 20 percent due at completion until you reclaim it from HMRC a quarter later. A VAT loan stops the tax from tying up the cash meant for the deposit and the works, and it repays itself from the reclaim. We arrange and place VAT loans on hospitality purchases across the UK.
Asset finance
The finance that spreads the cost of the equipment a hospitality business runs on, from a commercial kitchen or refrigeration to furniture, fittings, EPOS and vehicles, secured against the asset itself rather than the property. Asset finance keeps the cash in the business by paying for equipment over its working life through hire purchase or a lease. We arrange and place hospitality asset finance across the UK.
Acquisition finance
The finance that funds buying a trading hospitality business, whether a freehold hotel sold with its trade, a leasehold restaurant sold with its goodwill, or a small portfolio bought in one deal. Acquisition finance is sized on the EBITDA and the fair maintainable trade the business produces, often blending a term loan, the property, seller financing and an earn-out into one structure. We arrange and place hospitality acquisition finance across the UK.
Market depth
The most active markets in Berkshire
Around 7,722 property transactions changed hands across these towns over the last twelve months. The deepest, most liquid markets, the ones that give a hospitality exit the most support, first.
Asset classes
The hospitality assets we finance across Berkshire
Every format trades differently. We know which lenders fund each one against its going-concern value.
Financing a hospitality business in Berkshire?
Send us the asset, the trade and the plan and we will come back with a view on fundability and likely terms.