Serviced Accommodation Mortgages

Unlocking the Potential of Serviced Accommodation Mortgages
Serviced accommodation mortgages are fast becoming the go-to finance solution for property investors looking to maximise returns from short-term lets. Whether you're targeting business travellers, contractors, or holidaymakers, the right mortgage structure can transform your property into a high-yield asset.

What Is a Serviced Accommodation Mortgage?
A serviced accommodation mortgage is a specialist loan designed for properties let on a short-term basis — typically under 90 days per stay. Unlike traditional buy-to-let mortgages, these products cater to the unique income patterns and operational models of serviced accommodation, including:

Airbnb-style rentals
Holiday lets
Multi-unit freehold blocks (MUFBs)

These mortgages often allow up to 80% loan-to-value (LTV) and are assessed based on projected rental income, location, and property type.

Why Choose Serviced Accommodation?
Serviced accommodation offers flexibility, higher nightly rates, and broader appeal to modern travellers. Key benefits include:

Higher income potential than standard ASTs
Adaptability for business or leisure guests
Location-driven demand in cities, coastal areas, and contractor hubs

Mortgage Criteria to Consider
Before applying, it’s important to understand lender expectations:

Minimum property size (often 30m²+)
Location restrictions — not all lenders support every postcode
Income assessment — some lenders only consider AST-equivalent income
Commercial vs residential classification — apart-hotels may require commercial finance

Who Provides Serviced Accommodation Mortgages?
Wattsford Commercial Finance specialises in serviced accommodation mortgages tailored to your investment goals. Their team offers:

Access to competitive rates
Support for first-time landlords and portfolio investors
Guidance on capital allowances and start-up loans
Expertise in multi-brand finance solutions

Whether you're refinancing an existing property or acquiring a new one, we help you navigate the market with confidence.

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