How To Turn Your Home Into a Guesthouse

Running a guesthouse can be rewarding and fun, not to mention a great way to make money from your property without having to sell it.

However, it’s important to keep in mind that running a guesthouse is a big commitment, and there are rules to follow and standards to meet.

Here are just some of the things you need to consider if you’re thinking of turning your home into a guesthouse.

Starting a guesthouse business

What do I need to legally open a guesthouse?

Before you can open your guesthouse, you’ll need to acquire the relevant permissions, so your first step should be to contact your local council to see what is legally required.

If you’ll be carrying out building work on the property, you may need to apply for planning permission. Regulations change frequently and vary depending on where your property is located, so be sure to check in with your local planning office.

Even if you aren’t making any structural changes to the property, you might need to complete a change of use application before you can open your home as a guesthouse. Again, ensure you check these details with your local council.

You’ll also need to comply with fire and gas safety legislations, as well as food standards if you’re planning on serving any meals on the premises.  Find out more by contacting your local environmental health department.

Finally, make sure you contact your mortgage provider and insurer. You may need to update your policy and will need to switch your existing mortgage to a commercial mortgage.

Fit out the rooms in the guesthouse

Once all the relevant permissions are in place, you’ll need to ensure that your property is up to the job of hosting visitors. That means properly furnished bedrooms with facilities including WiFi, TVs, storage space, and tea and coffee making facilities. Today, most guests will also expect their room to come with an en suite bathroom.

If you’re offering breakfast or other meals at your guesthouse, you’ll need a dining room where your guests can comfortably enjoy their meals.

Finishing touches such as bathrobes, slippers, and washing products can go a long way to ensuring your guests have a memorable experience.

How to market your guesthouse

If you want to promote your guesthouse effectively, a good website is essential – make sure it’s responsive on all devices, appealing, and optimised for search engines such as Google. Social media platforms like Facebook and Instagram are also useful ways to market your guesthouse successfully.

Running your guesthouse

Running a guesthouse can be immensely enjoyable and rewarding, but you’ll also come up against several challenges.

One thing to always keep in mind is that this isn’t just a hobby, you’re running a business and it’s important to approach every aspect of your guesthouse with a business mind to ensure that it is a success.

That’s not to say you shouldn’t have fun! Part of the attraction of running a guesthouse is the interaction with guests, building lasting friendships and ensuring visitors get the most out of their stay.

Running a guesthouse is flexible – you can choose when you want people to stay and when you’d rather have the space to yourself. But it’s important to set boundaries if you want to avoid working 24/7 and burning out. Have house policies in place, including setting out the times breakfast will be available and when reception service will be provided.

Get in touch

If you’re thinking of turning your home into a guesthouse, get in touch. We can help you find the most effective way to re-finance or release capital to launch your guesthouse.

What You Need to Know About Financing a Pub Purchase

Many people who run pubs start off as tenants or leaseholders before considering buying a freehold once they’ve built up their knowledge, skills and experience.

Buying a pub and running it as a free house means you will be an independent business without any ties to a specific brewery or company – so you’ll be fully in charge of every decision.

Of course, buying a pub will usually require some form of finance. If you’re thinking about buying a pub, here’s what you need to know about financing a pub purchase.

Commercial mortgage for pubs

Taking out a commercial mortgage is another way to fund your pub. Working in the same way as a traditional, domestic mortgage, a commercial mortgage will be secured against the property and can form up to 75 percent of the market value of the pub.

Commercial mortgages can be surprisingly affordable. Unlike residential mortgages, they do not have standard rates of interest, meaning the lending manager will look at each application on its own merits in order to determine the level of risk involved and set the rate accordingly.

Of course, securing a mortgage that allows you to buy a freehold or leasehold pub naturally involves several different steps to those required to finance a house purchase.

Merchant cash advance for pubs

While a merchant cash advance is not a suitable finance method for funding the initial purchase of your pub, it may well provide an effective solution for covering costs such as equipment or other unexpected expenses, as well as expansion, stock, or renovation.

If you have a sudden or unexpected need for finance to keep your pub running and your customers happy, a merchant cash advance could provide a quick and flexible solution. This type of pub financing works particularly well for pubs that accept credit and debit card payments, as the advance is repaid this way.

Expert advice

If you’re looking for funding to finance a pub purchase, one of the first things you should do is consult a specialist broker who will be able to provide further information about the options available to you, and search the market for the best possible offers.

At Stewart Hindley, we are experts in this sector. Get in touch to find out more or to arrange a completely free, no-obligation consultation.

Is Short Term Finance Right For You?

Many businesses will find themselves in a position where they need to secure additional funds in order to cover expenses or take the next steps in growing their enterprise.

Of course, with finance, it’s important to carefully consider which type is right for you.

Here’s our guide to short term finance which will help to establish whether it’s right for you.

What is short term finance?

Short term finance is any borrowing that is paid back over a shorter period, typically in under one year.

What are the types of short term financing?

The main types of short term finance include:

Merchant cash advances

For companies receiving payments via credit or debit card, merchant cash advance usually relatively easy to secure and quick to fund.

Merchant cash advances are one of the most expensive types of short term finance, with the APR potentially reaching triple figures, depending on total sales each day.

The benefit of this short term funding method is that repayments are directly tied to sales, so if the business has a quiet month, the repayments will be lower in response.

Short term loans

Short term loans are typically less expensive than merchant cash advances. You’ll receive capital from your lender, which you’ll pay off with interest following an agreed schedule – just like a regular loan.

The key difference with a short term loan is that it is paid back over a much shorter period. A further benefit is that funding can usually be provided quickly (sometimes within 24 hours). However, there are also several disadvantages involved in this type of short term lending – you’ll be required to pay the loan back relatively quickly, make frequent payments, and the interest rate will usually be high.

Business line of credit

Business line of credit is one of the most affordable types of short term finance available.

Working in a similar way to a business credit card, if you qualify for a business line of credit, you’ll have access to a line of credit, from which you can pull working capital. You only have to pay back what you spend.

The benefits of business lines of credit is that they typically come with lower APRs than business credit cards, making them a great back up to have on hand ready to cover quieter spells or temporary cash flow issues. This short term finance method can be accessed in as little as one day.

Invoice financing

Invoice financing provides an advance payment for your business’ outstanding invoices.

This is a relatively quick and affordable form of short term finance, allowing with rates of around 3 percent plus 1 percent for each week the invoice remains unpaid. An advance can cover anywhere from 50 – 90 percent of an outstanding invoice. When the customer pays, you’ll receive the remaining amount minus the interest incurred.

What are the advantages and disadvantages of short term finance?

If you’re considering applying for short term finance, it’s important you’re aware of the pros and cons that come with this type of lending.

First, let’s take a look at the advantages of short term finance:

  • Access to quick capital when you need it most
  • Relatively easy to quality for, even with a low credit score or short business history
  • Shorter term means finance typically accumulates less interest

Of course, there are also disadvantages to consider:

  • Higher ARPs
  • Shorter payment terms, which can put strain on small business
  • Frequent payments
  • Arrangement fees and Exit fees may be applicable

Find out more

With extensive market knowledge, we’re experts when it comes to short term finance for businesses. To find out more about short term finance, the options available, and whether short term financing is right for you, please get in touch.

How To Start A Holiday Let Business

Whether it’s a short break or a longer summer holiday, more and more of us are choosing to holiday in the UK.

As demand for holidays in the UK continues to grow, so do the opportunities available for those considering letting out a property to holiday makers.

If you’re thinking about starting a holiday let business, it can be an exciting yet daunting process. Here’s our guide:

Do Your Research

Before starting any business, it’s vital that you complete your research. So, the first step in setting up your holiday let business should always be to research the market, location and competition.

Points to consider in your research include:

  • Is the location popular?
  • Is there a demand for holiday lets in the area?
  • How much rental income could you earn?

Work Out Your Letting Rates

Your research will also help on pricing your letting rates. It’s important that you get your rates just right – too high and you risk your property sitting empty and too low and your profit margins will be down.

Conduct your research then set your letting rates accordingly. Once you’ve launched your business, you should also constantly review and adjust your letting rates to ensure that they are in line with market trends.

Prepare Your Property

If you want to attract guests and ensure they have an enjoyable stay, you need to make sure that your holiday let is well presented and kitted out with all the expected amenities.

The first thing your potential guests will see is the photos of your property, so décor should be stylish and appealing.

As well as looking the part, your property needs to comply with all relevant legislation and regulations.

Start Your Marketing

Once your property is prepared and your holiday let business is ready to go, you’ll need to start marketing your property so that guests can find you easily and book their stay.

Your business should be as visible as possible online and it’s also beneficial to have an online booking system to make reserving rooms as simple and straightforward as possible.

Find Out More

If you’re thinking of starting a holiday let business, it’s important that you have the necessary funding in place. To find out more or for a free, no-obligation quote, please get in touch.

Thinking of Selling your Hotel?

Thinking of Selling Your Hotel? Here’s How to Know it’s the Right Time

As an established hotel owner, you may perhaps have entertained the idea of selling your business. You may understand that timing plays a part in such decisions. But is now the best time? And how will you even know when that ‘best time’ actually comes around? It’s rarely an easy call to make, so here’s a few things you should consider.

Reasons for selling

Sometimes you may just have to accept the fact that you can’t really control your need to sell. Other aspects of life which cannot be put off may simply intervene. You, or your partner, may be suffering poor health, or you may have to face divorce or some other family crisis. Equally, you may be fast approaching retirement, or have been presented with some need to liquidate your assets which must take priority over your business responsibilities.

More often, as a hotelier, you may notice a relentless downward spiral in profitability. Whilst some owners catch the problem early and are able to take remedial measures, others may find things have gone far beyond any hope of retrieving the situation.

If your accommodation business is performing poorly with little hope of an upturn, then taking the decision to sell may be your best chance of selling at an acceptable price. In such unfortunate circumstances it may be best to salvage what you can rather than risk a further decline.

On the other hand, some hotel owners may recognise that their soundly performing business is presenting them with a golden opportunity to sell on their own terms. A business with a good track record will usually sell for a better price, and often sells far more quickly too. And this is especially so where the owner can show that profits are on a sustained upward trajectory.

Research the market

To determine your sale prospects, or even simply to optimise the outcome once you are nearly ready to commit, it will always pay to carefully research the market. Whilst that is likely to involve seeking professional opinions, it should also involve a thorough personal investigation. It’s only by immersing yourself in such detail that you can get a proper ‘feel’ for market conditions.

For instance: Are local sector trends a reflection of regional market conditions? Or are there local factors which are exerting a stronger influence? And considering the national picture: What do the long-term sale statistics say about the future prospects for the hotel industry? And what seems to be the optimum time of year for selling with a view to securing the best return on your investment?

The hotel industry is one that fluctuates and so you will need to keep a careful eye on what the future trends are. There are three main factors that will impact the value of your hotel: the profit that your business is making, what multiple of the profits the buyer is willing to pay and the condition of the business. Make sure that you are in a positive position with all three of these factors where possible if you want to make a good return on your investment.

Threats and opportunities

You may know some local owners are about to retire and close down, or be aware of plans for major leisure and tourist developments about to occur in your area. Indeed, such information may be just what you need to hear to give you an ideal chance to present your business as being rich in potential.

Or alternatively, you may have been advised that a national hotel chain has earmarked your town as a likely location for expansion, or perhaps you have lost some of your best staff who have proved well-nigh impossible to replace.

Whatever the scenario, if a hotel sale could be on the horizon, you must remain alert to how such developments could affect your prospects.

You should also identify whether there are areas where your business could expand in the future so that buyers can be promised the chance for expansion. Is there is the potential for more rooms to be added? Could a restaurant or spa be included as part of the business?

Assess what pre-sale preparation is required?

If you can afford to sell when you’re ready, you should also consider what pre-sale preparation will be necessary to get your business up to the mark in order to prepare for a listing. If you have a well-run hotel in good health with strong bookings, perhaps also supported by strong local patronage, you must also have the evidence to prove the worth of your business.

One extremely important element here is your business paperwork, which must be in excellent order. Any serious buyer will never take your word alone. They will wish to see historical evidence of your trading revenues, and much else besides.

Have clear documentation of the occupation rates and how this fluctuates during the year. You will also need to do an audit of the stock that will included at the time of handover of the hotel.

In addition to exemplary paperwork, your premises should be in good repair and decorated to a good standard throughout. But beyond maintenance, and just as important, you should ensure your hotel is equipped in a way which reflects the latest industry trends and emerging technologies.

This extends beyond micro-details such as contemporary coffee facilities in your rooms, and should certainly include an overhaul of your (hopefully) mobile-friendly hotel website as well as your booking systems and digital marketing strategy.

By Matthew Hernon is an Account Manager at Dynamis looking after Business Transfer Agents and Franchises across BusinessesForSale.com and FranchiseSales.com.

The appeal of the British glamping holiday

The glamping holiday – a very British affair

Shepherds huts, tee pees, wood lodges, yurts and even treehouses are dotted across the English countryside as glamping continues to grow in popularity. In fact, these ‘alternative’ glamping holiday accommodation units are becoming as institutional as afternoon cream teas, strawberries and tennis, and black taxis.

Holidaymakers are flocking to the great outdoors with the promise of being at one with nature whilst also banking a good night’s sleep.

As long ago as 2010, Sawdays, one of the first and leading directories of handpicked and inspected special places to stay, saw the potential in this type of holidaying.  They created their own spin-off website canopyandstars.co.uk, a collection of inspected and selected, quirky places for glamping.  From there glamping has really taken off.  Today, many sites including TripAdvisor and Air B&B offer glamping opportunities for holidaymakers happy to brave the uncertainty of the British summertime weather.

So, what is driving this desire to glamp?

Could it be the B word?

Yes, I mean Brexit. The uncertainty around whether we’re in or out. Brits don’t know whether to expect vast re-entry queues at the end of a summer holiday or whether we’ll continue the in-or-out debate for the months ahead. It could be that the uncertainty around Brexit and whether we have a blue passport, or a burgundy passport could be making Brits more reluctant to book an overseas trip.

Maybe it’s a money thing?

Of course, part and parcel of this is the poor performance of the pound at the moment. With such low exchange rates, the appeal of travelling overseas that drove everyone to hop off to the continent in the ‘90s, now isn’t so strong.

Or an escape from digitalisation?

Or perhaps it’s a rebellion from living our lives in the fast lane. The rate at which we live, breathe, drive, in fact, do everything, has sped up. Increasingly frequently we crave getting back to nature. Digital detoxes have become a real ‘thing’ recently, but not everyone wants complete isolation from the digital world. For some, just being back under the starry sky, shrouded beneath a green canopy or even just breathing fresh air is enough to enable us to find the pause button and make us feel grounded once again.

Whatever the reason, the glamping phase is here to stay so, with the continued growth in popularity of glamping, maybe there’s an opportunity to extend your business to include glamping and give your visitors a chance to escape the hustle and bustle of everyday life?

We understand the hospitality business through and through and are long-established specialists in securing hospitality finance. We can offer you friendly and informative advice to help you build your glamping business.

Browse our site for case histories and more information about the process involved in securing hospitality finance or call us now to speak to our team of experts.

How hoteliers can increase room rates by improving customer facilities

Here, Mike Hardman from hospitality equipment suppliers Alliance Online shares his advice for hoteliers looking to improve their customers’ experience — and, therefore, increase revenue.

Your revenue per available room (RevPAR) is a good way to measure the average rate you sell your rooms at, allowing you to keep track of your success and compare your hotel with competitors. If you haven’t already, you can determine your RevPAR by multiplying your average daily rate by your occupancy rate. Your occupancy rate is the number of occupied rooms you have divided by your total number of available rooms, multiplied by 100.

If your RevPAR isn’t as high as you’d like, you can raise it by focussing on customer experience. Improving your facilities won’t just allow you to charge guests more for their stay — your customers will also be more inclined to share their positive opinion of your hotel online and bring you more custom.

Below are just some of the ways you can improve customer facilities and increase your average room rate in return.

Offer something extra for your guests

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During the booking process, tempt potential guests with packages and promotions. Give them the option of add-ons such as breakfast, shuttle services, or extra treats for their room to bump up their average spend.

When setting up rooms, it’s a good idea to provide your guests with low cost but high-quality items that have the potential to feel like little gifts. A bowl of fresh fruit, a vase of flowers, boxes of chocolates and, of course, toiletries can all be stocked in the room to make your guests’ stay more luxurious.

Improve your housekeeping and room services

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High cleanliness standards are perhaps the most crucial way to show your quality and maintain positive reviews from guests. Don’t be frugal with deep cleaning tools, products, and practices, or you could end up paying the price. You can also offer extra services for guests, such as laundry and dry cleaning, ironing and pressing, and even shoe polishing to increase value.

Make sure you’re advertising the fact you offer room service; if you find that guests aren’t always taking advantage of it, it might not be as obvious as you think. Present their chosen refreshments with style by finding modern, instagrammable crockery, and ask staff to remove the lids from serving dishes in front of guests in their room. Staff can also bring a bucket of ice and pour drinks out of the bottle for an extra flourish. This level of service feels fancy, but it also gives staff the opportunity to ask guests whether to leave the bottle and add it to the bill.

Customer service

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Effective planning and smooth communication between staff and guests allow problems to be solved before they become disasters. Keep on top of maintenance to prevent any issues arising during your customers’ stay, such as faulty air cons or cosmetic damage. Be prepared to manage your guests’ needs as quickly as possible by having plenty of extra pillows, towels, chairs, highchairs, and cots to hand. If this is something you might struggle with, consider whether your inventory management system needs updating.

As much as you can, go for the personal approach. Instead of working the whole building, give staff sections to take care of so they can better keep track of their guests’ names and preferences. If possible, it’s also good to invest in staff that can communicate in many different languages to cater for foreign guests.

Staff should be fully-trained and aware of the contents of all service dossiers and menus. That way, they can be a complete source of information and don’t have to leave guests waiting as they try and find someone who knows the answers to their questions. These little organisational details improve the overall guest experience, making them more likely to spend money in the future or convince others to do the same.

With these tips, you can begin to improve your customer facilities and consequently raise your average room rates.

British coastal path walking and guest house holidays

In 2020 England’s 2,800 mile coastal path is set to open, offering ramblers, hikers and walkers access to one of the world’s longest walking routes.

And for B&B and guest house owners, securing hospitality finance to invest in a B&B next to a coastal path can be a shrewd move.

Whilst most people won’t have the time to take on the full coastal path in one go, there’s nothing to stop them from taking on sections of the English coastal path and enjoying some of the most spectacular views that nature has to offer.

Top 6 coastal path sections for walkers and hikers already open to the public

  1. Rock to Polzeath: North Cornwall

This 1 hour stretch of English coastline can be accessed from the slipway beside the sailing club in Rock Village and will take you past boats bobbing in the estuary, beaches perfect for picnic stops, and clifftops where you can watch surfers catch waves at Polzeath.

  1. Burnham Overy to Holkham beach: Norfolk

This walk starts at the Drove in Burnham Deepdale and is signposted by black and white National Trail acorns which guide you along flood banks, beside a small harbour and along one of Norfolk’s most spectacular beaches, used for the filming of ‘Shakespeare in Love’.

  1. Sea Palling to Weybourne

If you fancy more of a challenge, you could take on the 25-mile section between Sea Palling and Weybourne. An established part of the Norfolk Coast path, and one of England’s 15 National Trails, it’s renowned for its dramatic landscapes.

  1. Robin Hood’s Bay to Boggle Hole

This North Yorkshire stretch is scattered with fossils, and cliffs peppered with caves where folklore says mysterious goblins called Boggles hide. Pop into the Old Coastguard Station at Robin Hood’s Bay to learn about the area’s secret history of smuggling.

  1. Marloes Peninsula Coastal Walk

You can’t talk about the great walking trails of the British coastline without talking about the Pembrokeshire coastline with its seals, porpoises and Iron Age forts. A National Trust trail, the Marloes Peninsula Coastal Walk starts at the Marloes Sands car park.

  1. Isle of Staff

For something a little more remote, the The Isle of Staff coastal walk in Scotland takes you around an island known for fantastical and dramatic basalt columns. At 30 minutes, it’s a short walk, but what it lacks in distance, it more than makes up for in experience, with dolphins, porpoises, puffin colonies and more. However, this isn’t a walk for those unsteady on their feet.

So, if you’re thinking of experiencing the spectacular coastline of Britain for yourself, why not find a B&B to base yourself, or even a series of B&Bs throughout the route?

If you’re looking to open a B&B, finding the perfect location just a short distance from the coastal path can certainly be a draw for potential guests. Stewart Hindley can help you find the right hospitality finance to be able to invest in your dream guest house.

6 of the most unusual B&Bs in the UK

They say that to set yourself apart from the competition you need to find a point of difference. A unique selling point. A niche. By creating unusual B&Bs, some owners do just that.

Here are some of the more unusual guest houses and B&Bs in the UK, where owners have really found their niche!

1. Want to feel at one with nature? Maybe an overnight stay that combines South American atmosphere with llamas and views over the spectacular Cumbrian countryside is for you? The Llama’s Pyjamas B&B is just 3 miles from Penrith and offers guests the chance to trek with llamas, experience animal handling and enjoy other animal activities whilst on holiday.

2. For those looking for something a little more flamboyant, consider a stay at The Witchery By The Castle in Edinburgh. Billed as the ultimate romantic bolt hole, it has just 9 suites decorated opulently in gothic style with large oak beds and 4-posters, velvet-lined walls and lavish red and gold décor.

3. Fancy sleeping in a bus shelter? I don’t mean that dirty one on the A3, but this luscious one in Gifford, East Lothian. The Bus Stop is set on a working farm. You can enjoy panoramic views whilst soaking in the hot tub, or gaze at the stars through the glass roof as you drift off to sleep. Although, with a small kitchen, maybe it shouldn’t really join our list of unusual B&Bs?

4. Incarceration doesn’t have to be a punishment. Well, maybe it did once, but now a stay in the Old Lock Up in Derbyshire offers B&B guests something a little bit different. Previously a magistrate’s house and before that a police station, the rooms are named after their earlier functions, such as ‘The Solicitor’s Room’ where lawyers could talk to their clients in private. Don’t worry though, a private bathroom has been installed in the adjacent cell, giving The Lock Up all the mod cons you could want in a good old-fashioned English B&B.

5. There are some unusual B&Bs in the South too, such as this restored Railway Station in Petworth, just 25 minutes from Chichester, where guests can stay in Edwardian Pullman Railway Carriages and enjoy breakfast in the Booking Hall.

6. If you’re not adverse to steps, then a country-chic stay in the converted Cley windmill B&B could be just what you need to blow those cobwebs away. Spectacular views over the coast and marshes can be enjoyed from the upper rooms.

7. If you’re one of the thousands of people that find water relaxing, maybe a stay on St Hilda, a tall ship in the waters of Tobermory Bay on the isle of Mull, would be the perfect space to allow the gentle waters to rock you to sleep as they lap against the hull of one of the smallest tall ships to ever compete in a Tall Ships race.

If you’re a B&B owner and are looking for funding to develop your niche, or if you have a wonderful idea to offer B&B guests something a little different, Stewart Hindley can help you find and secure the right hospitality finance package for your B&B. If you’d like to discuss your hospitality finance requirements, give us a call today on 01488 684834.

 

How Christmas can help you achieve year ‘round occupancy

Most B&B owners are dependent on hospitality finance or B&B finance to set up, grow or improve their business. The trouble is, hospitality finance needs to be repaid and to do that, B&B owners need to focus on ways to bring in new business all year around.

However, once the nights draw in and the temperatures drop, Brits tend to be much less interested in booking holidays or staycations, instead focused on hunkering down until Spring. However, there is one thing that can be used to draw Brits out of hiding and into your B&B or boutique hotel – Christmas.

Here are three Christmas activities that could help pull in bookings for your rooms.

Christmas Markets

People travel all around the UK to get a hit of that festive feeling, so, with a bit of planning B&B and boutique hotels in Bath, Birmingham, Belfast, Manchester, Glasgow, Exeter, Cirencester and Winchester can tap into a whole new potential market for those colder months.

Christmas Shopping

If your B&B or hotel is based around cities and larger towns, Christmas shopping can be a great appeal for tourists. And not having to drive home at the end of a long day shopping can enable guests to get the most of their day out and allow them to enjoy a glass of wine over lunch or dinner. For extra helpings of festive fun, you could even team up with a local florist or craftsman and offer wreath or gift making workshops.

Christmas lights

If your B&B isn’t in London, Birmingham or another city renowned for its festive lights you could still capitalize on the Christmas months. Castles and stately homes often have Christmas lights, trails or tours, or maybe even a Christmas market evening where they make the most of their homes and gardens. By finding out when these are, you’ll be able to make the most of yours too!

Stewart Hindley & Partners are hospitality finance specialists that can help you find the hospitality finance you need to build the business you’ve always wanted. For more information on how you could benefit from hospitality finance, or to find out how you could raise B&B finance for your business, contact Stewart Hindley & Partners on 01488 393049.