About Pub Mortgage Calculator
What a pub is worth to a lender, and what a pub mortgage actually costs
What is on this site
One question, "pub mortgage", answered with a calculator that works on the page with no account, 3 guides on the questions around it, a data table you can cite (the figures and their method), and the sources every figure rests on.
- Fair maintainable trade, and why it is not last year's profit: Pubs are valued on what a reasonably efficient operator would sustainably earn. What valuers add back, what they strip out, and why vendors disagree.
- Going concern or bricks and mortar: which one you are borrowing against: Lenders take both figures and underwrite cautiously to the gap. What that means for deposit, term and personal guarantees.
- What to establish before paying for a pub valuation: Tie, planning, trading record, licence and capex. The free questions that decide whether a pub purchase is financeable at all.
Reach us
Contact for a question about the site, or enquiries@pubmortgagecalculator.co.uk. The legal terms are on Terms and Privacy.
Pub Mortgage Calculator is an independent introducer site operated by Ellul Solutions Ltd. We are NOT authorised or regulated by the Financial Conduct Authority, and we are neither a lender nor a broker. We do not advise, arrange or recommend any mortgage, facility or firm: we introduce you to lenders and brokers by passing your details to them, and they deal with you directly. We may be paid a commission for that introduction by the firm we introduce you to, and it never changes what you are quoted. Nothing here is financial, legal or tax advice. No rate or margin is published on this site because licensed trade lending is priced and valued per case against the trade, the tie, the location and the operator, and no public source sets a market rate or multiple. Fair maintainable trade and going concern value are valuation conventions; what they are for a specific pub is a matter for a qualified valuer and not for this calculator. Commercial lending against a trading property is normally outside FCA regulation, so the Financial Ombudsman Service and Financial Services Compensation Scheme may not be available to you, and arrangements where you live on the premises can raise questions to take advice on. Check any lender or broker on the FCA's Financial Services Register before sending documents or paying anything.