Can You Mortgage A Beach Hut?

On a recent visit to one of the beaches in Florida, I noticed all these beach cabanas around the beach. I started wondering who owns these beach huts (cabanas) and how can someone like me go about owning one of these beach cabanas, and if I would be able to mortgage a beach hut for myself.

You can mortgage a beach condo in the U.S. They are also called cabanas or huts, but you can’t mortgage a beachfront home called a cabana or hut. The word hut is more suited to the U.K. People choose to mortgage their beach condo and then use the money to update it, thus increasing resale value.

I recently became interested in purchasing a beach hut, and I would consider taking out a mortgage on a beach hut. Then I started to source if I could find a beach hut for sale. Then I came across beach cabanas and found out it is the same as a beach hut, just with different wording.

Can You Mortgage A Beach Hut?

If you live in Britain, you can mortgage a beach hut, but you can mortgage a beach condo if you live in the U.S. These three terms, condo, hut, and cabana, are at times used interchangeably, but they aren’t the same thing in the eyes of realtors.

A cabana and hut are the same, but while a condo might be called a cabana, it is not seen as the same for selling and mortgaging property. If you search for beach huts in the U.S, you will find them very hard to find, but under a cabana, you will find them.

In the U.S, there are some nice and beautiful condos (that might be listed as cabanas) or huts, as some people call them, that can be mortgaged. Just think if you can have your own little spot at the beach where you can just lay back in the tropical atmosphere overlooking the ocean and enjoy a cocktail while doing that.

Many people mortgage their condo and use some money to upgrade it. These changes can increase the overall functionality of the cabana/condo and increase the value if you ever want to resell it.

In the following sections, I will share more about what I have learned about the cabanas and how wonderful it must be to own a piece of paradise for yourself at some of California’s prestigious beaches.

What Is The Difference Between A Beach Hut And A Cabana?

A  hut is described as a small wooden shed, while a cabana is described as a small cabin or hut for relaxing. They are both described as a small spaces, and a cabana is also referred to as a hut by some people.

But if you are in the U.S looking for a beach hut to mortgage, it is better to use the term or word cabana as you will find more results using this term, and you will be able to find some stunning cabana’s out there. I hope you will be able to find the perfect piece of heaven that you are looking for.

A cabana is seen as a shelter that resembles and looks very similar to a hut in size and appearance. You can easily find a cabana on or near beaches and close to swimming pools. In today’s setting, cabana line beaches all over the world. They create spaces of relaxation and privacy on the beach.

What Type Of Cabana Can You Mortgage?

A cabana is sometimes referred to as a condo or a small apartment, and you can have them mortgaged through different banks or financial institutions depending on your personal profile.

Suppose you are looking to mortgage your own cabana or condo. In that case, you can contact a realtor in the location you are interested in purchasing the condo or cabana and ask for assistance or advice.

What Are The Pros And Cons To Mortgaging A Condo

There are pros and cons to mortgaging a beachfront property of your own, no matter how small it might be. Even if it is just a one-bedroom and one bathroom condo or apartment, the location is everything.

Pros Of Mortgaging A Condo

  • You have your own property at the beach location of your choice.
  • If you aren’t buying the property to live in as a permanent residency, you can rent it out as an extra income, or the rental can pay back the mortgage.
  • Buying a property is always an investment, and it never loses its value.
  • At the end, when the property is paid for, you will feel free and rewarded with an extra property to your name.

Cons of Mortgaging A Condo

  • Buying a property through debt or mortgages can be risky if you are no longer in the position to make the monthly payments.
  • The term that you have to pay back the mortgage over the period can feel never-ending. Mortgaging a property is a long-term period and not something that should be considered lightly it remains your responsibility.
  • If you have the extra property, and it is not your primary residence, you will have extra maintenance to upkeep to contend with regarding the property.
  • If you plan to rent the condo out, the people are letting you might neglect the property, or you take the risk of the tenants not paying rent to you.
  • When mortgaging a property, the interest can be quite high; just keep in mind the value of the condo that you are mortgaging and the total amount you will be paying back at the end of the term, and the interest.
  • When you mortgage a property, always consider the factor of the rates and taxes and do your research on the rates and taxes in the area that you plan to mortgage property, as this can increase your monthly premium.
shutterstock 1397767763


If you are looking for a beach hut to mortgage, it is better to look for a small cabin or cabana on or near the beachfront as they are available, and if you qualify for a mortgage, there are many options to go for when considering a property at the beach.

You can get in touch with a realtor specializing in the area where you are interested in mortgaging a beachfront property and ask for advice, and they can help you find the perfect property for you.