--- title: "Your 2026 Guide to Securing a Pub Mortgage with Mortgage Lane" id: "1076" type: "post" slug: "your-2026-guide-securing-a-pub-mortgage-with-mortgage-lane" published_at: "2024-02-07T09:27:14+00:00" modified_at: "2026-03-30T15:39:29+00:00" url: "https://mortgagelane.com/your-2026-guide-securing-a-pub-mortgage-with-mortgage-lane/" markdown_url: "https://mortgagelane.com/your-2026-guide-securing-a-pub-mortgage-with-mortgage-lane.md" taxonomy_category: - "Uncategorized" taxonomy_news_and_blogs_category: - "Blogs" --- # Your 2026 Guide to Securing a Pub Mortgage with Mortgage Lane Back to Top## Skip to - [Criteria](#CRITERIA) - [Pub Mortgage Calculator](#CALCULATOR) - [Options](#OPTIONS) - [FAQs](#FAQS) In 2024’s shifting landscape, securing a pub mortgage can feel intricate. With Mortgage Lane, your journey becomes clear. For a pub valued at £250,000, you might need a deposit around £62,500, given the typical 70%-75% financing rates. However, lender conditions can fluctuate, ranging from 3 to 25-year mortgages. Exploring bridging loans or navigating credit challenges? We simplify these facets for you, understanding the diverse standards across lenders. As the pub mortgage sector evolves, trust Mortgage Lane to align you with the right choices. Reach out and let our expert advice streamline your pub investment ambitions. ## **What happened to Brewery loans?** It used to be the case that breweries would offer low interest loans to landlords, which often had repayment terms of 10 – 15 years. These are less common in 2020 though in some cases, this could be an option. A downside of these types of agreements is that in exchange for the loan, landlords can be tied into contracts for their beer (and often wine, spirits and other drinks) direct from the brewer, at full price. Getting a mortgage for a pub can provide landlords with more freedom and choice and depending on where they can source their alcohol, mixers and snacks from, a cheaper running cost. ## Pub Mortgage Criteria A commercial mortgage for a public house is a loan that is specifically designed to for business owners or investors to purchase, or refinance a public house. Interest rates for commercial mortgages for public houses vary depending on the lender and the experience level of the borrower. Generally, lenders will offer more competitive rates for more established pubs, compared to pubs that are newly built or require extensive refurbishment. Lenders will also consider other factors such as the size of the loan, the applicant’s credit history, the location of the pub and its opening times. These products can be interest only or capital repayment. ## Typical terms for a loan on a public house: - No exit charges available - Up to 75% Loan to value - Rates from 6.19% ## Try our Pub Mortgage calculator ## Other Ways to Tap Into Pub Finance Apart from the classic pub mortgage, you could explore equity release from existing properties, swift bridging loans, or development finance – especially if your goal is to breathe life into a vintage pub. If you are looking for just a business loan, we can also help with that! So, whether you’re aiming for the traditional tavern or the swanky new-age brewery, Mortgage Lane has got the right blend of expertise for your pub mortgage needs! Cheers! ## QUESTIONS ON PUB MORTGAGES What Deposit will I need for a pub mortgage? Generally, you’ll need to toast to a 25-45% deposit. Factors influencing this are additional securities on offer or the type of mortgage you’re opting for (owner-occupier versus commercial investment). [GET IN TOUCH](https://mortgagelane.com/contact/) Would I approach a High Street lender for a pub mortgage? Specialist or High Street? Often an established pub mortgage can be cost effective on the high street however they will generally require more experience. Specialist lender will not require so much experience but also, they have become more competitive on rates over the years. [GET IN TOUCH](https://mortgagelane.com/contact/) Can I buy a pub after retirement age? Age Just a Number: Dreaming of a pub mortgage post-retirement? Many lenders who provide pub mortgages do have a longer minimum age, so contact us today to assist you with your mortgage on your post retirement venture! [GET IN TOUCH](https://mortgagelane.com/contact/) Are there limits on loan sizes for a pub mortgage? Some lenders will have minimum loans sizes in the pub mortgage world. Lenders eye the pub’s trade, profits, and sometimes even include other income streams to determine their lending limit. Future trade projections? Yes, they’re often considered to. [GET IN TOUCH](https://mortgagelane.com/contact/) Can I get a pub mortgage if I have adverse credit? While mainstream lenders might not toast to that, some niche lenders may accept adverse credit borrowers. Just remember, for pub mortgages, everyone’s credit in the ownership team is under the spotlight. [GET IN TOUCH](https://mortgagelane.com/contact/) Are pub mortgages regulated? It is important to note that commercial mortgages are not covered by the Financial Services Compensation Scheme, so borrowers should ensure they are dealing with a reputable lender. [GET IN TOUCH](https://mortgagelane.com/contact/) ### Speak to a Mortgage Advisor Today Tell us about your enquiry and we'll be in touch! **Opening Times**- Mon - Fri 9am to 6pm - Closed Sat & Sun Call us for an appointment or fill in the contact form on this page- [Call here](tel:03332318206) - [Email here](/cdn-cgi/l/email-protection#d1b4bfa0a4b8a3b8b4a291bcbea3a5b6b0b6b4bdb0bfb4ffb2bebc) ### Contact us "*" indicates required fields [All articles](https://www.mortgagelane.com/blog/) ## Read more articles - [9th July 2026Mortgages With No Early Repayment ChargeREAD MORE](https://mortgagelane.com/mortgages-with-no-early-repayment-charge/) - [8th July 2026Barn Conversion MortgagesREAD MORE](https://mortgagelane.com/barn-conversion-mortgages/) - [8th July 2026Ex Local Authority Mortgage​READ MORE](https://mortgagelane.com/ex-local-authority-mortgage/)