---
title: "Pub Mortgages: detailed guide"
description: "Detailed explanations and criteria for Pub Mortgages."
url: "https://mortgagelane.com/guides/insights-pub-mortgage-details"
site: "Mortgage Lane"
collection: "guides"
date: "2026-08-04"
author: "Joseph Lane"
category: "Mortgage guide"
reviewed: "2026-09-11"
reading_time: "2 min"
byline: "Joseph Lane"
author_credentials: "CeMAP · FCA authorised firm"
language: "en-GB"
robots: "index,follow"
---

# Pub Mortgages: detailed guide

Detailed explanations and criteria for Pub Mortgages.

We provide mortgage solutions for Pub purchase and re-mortgage. Discover affordability criteria and eligibility requirements in our guide.

[Pub mortgage](https://mortgagelane.com/definitions?term=pub-mortgage)

Commercial

A commercial mortgage used to buy or refinance premises used as a public house.

[Read the full definition of Pub mortgage](https://mortgagelane.com/definitions?term=pub-mortgage)

Back to overview

[Pub Mortgages](https://mortgagelane.com/insights/pub-mortgage)

Related definitions

[Pub mortgage](https://mortgagelane.com/definitions#def-pub-mortgage)

## 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.

[Read more about Listed pub mortgages](https://mortgagelane.com/guides/pub-mortgage/listed-pub-mortgages)

## 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.

[Read more about Non-trading pub mortgage](https://mortgagelane.com/guides/pub-mortgage/non-trading-pub-mortgage)

## 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.

[Read more about Freehold pub mortgage](https://mortgagelane.com/guides/pub-mortgage/freehold-pub-mortgage)

## Pub mortgage Scotland

Read about arranging a commercial mortgage for a pub purchase or refinance in Scotland.

[Read more about Pub mortgage Scotland](https://mortgagelane.com/guides/pub-mortgage/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.

[Read more about Pub mortgage Wales](https://mortgagelane.com/guides/pub-mortgage/wales)

## Pub mortgage England

Read about the financial and regulatory considerations when arranging a pub mortgage in England.

[Read more about Pub mortgage England](https://mortgagelane.com/guides/pub-mortgage/england)

## Pub mortgages Northern Ireland

Read about the lender requirements and application process for pub mortgages Northern Ireland.

[Read more about Pub mortgages Northern Ireland](https://mortgagelane.com/guides/pub-mortgage/northern-ireland)

## Talk it through with an adviser

Speak to a Mortgage Lane adviser about your circumstances and the next steps.

Published: 2026-08-04

Last reviewed: 2026-09-11

Source: https://mortgagelane.com/guides/insights-pub-mortgage-details