Mortgage guide
Pub Mortgages: detailed guide
We provide mortgage solutions for Pub purchase and re-mortgage. Discover affordability criteria and eligibility requirements in our guide.
- Published
- 4 Aug 2026
- Last reviewed
- 11 Sep 2026
- Reading time
- 3 min
Listed pub mortgages
Securing a mortgage on a listed pub is more complex than financing a standard commercial property due to the additional legal protections and conservation controls applied to listed buildings. Many traditional pubs across the UK are Grade II or Grade II* listed, meaning lenders must assess not only the trading business but also the regulatory constraints attached to the property.
Non-trading pub mortgage
Securing a pub mortgage without full trading accounts is still possible, but lenders will typically apply more conservative lending terms to manage risk. In these cases, borrowing is usually capped at around 65% loan-to-value (LTV) and assessed against a 90-day valuation, rather than a full going-concern valuation.
Freehold pub mortgage
A freehold pub mortgage is a form of commercial mortgage used to purchase a public house where the buyer acquires ownership of both the property and the land.
Commercial mortgage calculator
Choose owner occupier for a business buying or refinancing premises it trades from, assessed on adjusted net profit before tax from the latest accounts, or investment for property let to tenants, assessed on lease income.
Pub mortgage Scotland
Read about arranging a commercial mortgage for a pub purchase or refinance in Scotland.
Pub mortgage Wales
Obtaining a commercial mortgage for a pub in Wales involves distinct financial and regulatory aspects that must be carefully considered. Whether aiming to acquire a new property or refinance an existing establishment, comprehending the nuances of securing a pub mortgage is essential for successful investments in the hospitality industry.
Pub mortgage England
Read about the financial and regulatory considerations when arranging a pub mortgage in England.
Pub mortgages Northern Ireland
Read about the lender requirements and application process for pub mortgages Northern Ireland.
Pub mortgage criteria
For context, these are the wider product terms covered by this guide. Availability and eligibility depend on your circumstances and the lender.
| Criteria | Detail |
|---|---|
| Maximum loan to value (LTV) | 75% |
| Repayment options | Capital repayment and interest only |
| Term | 15 to 40 years |
| Rate options | Variable, base rate tracker, and 2, 3 or 5 year fixed mortgage options |
| Valuation methods | Going concern or investment (market value 1, MV1), MV2, MV3 or bricks and mortar |
| Experience | Not always required |
| Locations | Available in England, Scotland, Wales and Northern Ireland |
| Pubs with trading accounts (owner occupiers) | Lower interest rates available |
| Pubs without trading accounts (owner occupiers) | Higher interest rates, and personal income may be needed |
| Projections | Accepted in some cases with bank statements |
For context, these are the wider product terms covered by this guide. Availability and eligibility depend on your circumstances and the lender.
| Feature | Detail |
|---|---|
| Loan to value | 70% |
| Product fee | 0.75% |
| 3 years fixed | 5.89% |
| 5 years fixed | 5.79% |
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Frequently asked questions
What is a freehold pub mortgage?
A freehold pub mortgage is a UK commercial mortgage used to buy a pub where the buyer owns both the building and the land. Lending is assessed on the property and, if the pub is trading, on the business's performance. In our experience loan-to-value typically goes up to 70% to 75%.
Are pub mortgages regulated?
Usually not. A pub mortgage is unregulated business lending unless you borrow personally and at least 40% of the property is used as a home by you or a close family member, in which case it is a regulated mortgage. Unregulated lending does not carry the consumer protections of the FCA's mortgage rules, so check who you are dealing with before you commit.
What deposit will I need for a pub mortgage?
In our experience a trading pub typically needs a deposit of 25% to 30% of the purchase price, reflecting maximum loan-to-values of 70% to 75%. First-time operators and non-trading pubs sit nearer 35%, reflecting 65% LTV caps.
Can you get a mortgage on a house near a pub?
Yes. A house near a pub can usually be mortgaged in the UK; lenders and valuers may take account of noise, late opening hours and licensing conditions, but being close to a pub does not by itself prevent a mortgage.
Can you get a mortgage on a pub?
Yes, you can get a mortgage on a pub in the UK through a commercial mortgage. Trading pubs can be assessed on profitability using EBITDA, allowing loan-to-value ratios of up to 70%-75%, while non-trading pubs are usually assessed on bricks-and-mortar value with lower, more conservative lending limits.
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