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
- 2 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.
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.
Talk it through with an adviser
Speak to a Mortgage Lane adviser about your circumstances and the next steps.