{ "name": "pubmortgagecalculator.co.uk Pub Mortgage Lender Index", "title": "Pub Mortgage Lender Index", "url": "https://pubmortgagecalculator.co.uk/datasets/pub-mortgage-lender-index/", "csv": "https://pubmortgagecalculator.co.uk/datasets/pub-mortgage-lender-index.csv", "markdown": "https://pubmortgagecalculator.co.uk/datasets/pub-mortgage-lender-index/index.md", "computed_at": "2026-09-26", "license": "https://pubmortgagecalculator.co.uk/terms", "headline": "The median published figure in the Pub Mortgage Lender Index is 3.75 percent across 2 sources' own pages (range 2.25 to 5.25 percent), read 26 September 2026.", "quotes": [ "The median published figure in the Pub Mortgage Lender Index is 3.75 percent across 2 sources' own pages (range 2.25 to 5.25 percent), read 26 September 2026.", "2 of the 12 named sources read in full publish a figure; 10 publish none, read 26 September 2026.", "Pub Mortgage Lender Index, lender Commercial Mortgages Broker, best available rate: median 5.25 percent across 1 source, read 26 September 2026.", "Pub Mortgage Lender Index, lender Assetz Capital, margin over Bank Rate: median 2.25 percent across 1 source, read 26 September 2026.", "The median is unchanged since 25 September 2026 (was 3.75 percent across 2)." ], "citation": "\"pubmortgagecalculator.co.uk Pub Mortgage Lender Index\", updated 2026-09-26, https://pubmortgagecalculator.co.uk/datasets/pub-mortgage-lender-index/.", "changed_since": { "since": "2026-09-25", "previous_median": 3.75, "delta": 0, "direction": "unchanged", "sentence": "The median is unchanged since 25 September 2026 (was 3.75 percent across 2)." }, "national": { "unit": "%", "n": 2, "median": 3.75, "min": 2.25, "max": 5.25, "p25": 1.5, "p75": 6, "mean": 3.75, "units": { "%": 2 }, "published_sources": 2, "named_sources": 22, "read_sources": 12, "not_published": 10, "published_share": 0.167 }, "by_axis": { "lender": { "Commercial Mortgages Broker, best available rate": { "%": { "n": 1, "median": 5.25, "min": 5.25, "max": 5.25, "p25": 5.25, "p75": 5.25, "mean": 5.25 } }, "Assetz Capital, margin over Bank Rate": { "%": { "n": 1, "median": 2.25, "min": 2.25, "max": 2.25, "p25": 2.25, "p75": 2.25, "mean": 2.25 } } } }, "rows": [ { "source": "Commercial Mortgages Broker, commercial mortgage rates", "url": "https://commercialmortgagesbroker.co.uk/services/commercial-mortgages/rates", "figure": "5.25%", "value": 5.25, "unit": "%", "vat": null, "axis": { "lender": "Commercial Mortgages Broker, best available rate" }, "retrieved_at": "2026-09-15", "quote": "From 5.25% Best available rate", "source_class": "primary-provider-own-site", "text_sha256": "ad534e5d9da95132e449c429fc26e136cd9849e3189da749f709cdc7c24b73f8" }, { "source": "Assetz Capital, commercial mortgages", "url": "https://www.assetzcapital.co.uk/commercial-mortgages", "figure": "2.25%", "value": 2.25, "unit": "%", "vat": null, "axis": { "lender": "Assetz Capital, margin over Bank Rate" }, "retrieved_at": "2026-09-15", "quote": "From 2.25% + Bank of England Bank Rate", "source_class": "primary-provider-own-site", "text_sha256": "246f523d04a1c5af9caa4b041e46356fd980a6bd61ffe190f7bdc2c6cbb97fda" } ], "not_published": [ { "source": "Lendus, commercial mortgages for pubs and licensed premises", "url": "https://lendus.co.uk/commercial-mortgages/pub/", "retrieved_at": "2026-09-15", "reason": "every candidate on the page was refused" }, { "source": "Lendus, commercial mortgage for pubs guide", "url": "https://lendus.co.uk/guides/commercial-mortgage-for-pubs/", "retrieved_at": "2026-09-15", "reason": "every candidate on the page was refused" }, { "source": "ABC Finance, commercial mortgages for pubs", "url": "https://abcfinance.co.uk/commercial-mortgages/guides/pubs/", "retrieved_at": "2026-09-15", "reason": "every candidate on the page was refused" }, { "source": "ABC Finance, commercial mortgages UK 2026", "url": "https://abcfinance.co.uk/commercial-mortgages/", "retrieved_at": "2026-09-15", "reason": "every candidate on the page was refused" }, { "source": "Commercial Trust, commercial mortgage interest rates", "url": "https://www.commercialtrust.co.uk/commercial-mortgage-interest-rates/", "retrieved_at": "2026-09-15", "reason": "every candidate on the page was refused" }, { "source": "UK Commercial Finance, commercial mortgage rates", "url": "https://uk-commercialfinance.co.uk/commercial-mortgage-rates/", "retrieved_at": "2026-09-15", "reason": "every candidate on the page was refused" }, { "source": "Platinum Global, commercial mortgages", "url": "https://www.platinumglobalbridgingfinance.co.uk/commercial-property-finance/commercial-mortgages/", "retrieved_at": "2026-09-15", "reason": "every candidate on the page was refused" }, { "source": "Together, commercial mortgages guide", "url": "https://togethermoney.com/-/media/files/commercial-mortgages-guide.pdf", "retrieved_at": "2026-09-15", "reason": "read in full and no accepted figure on the page" }, { "source": "Together, a couple buy their dream village pub", "url": "https://togethermoney.com/case-studies/a-couple-buy-their-dream-village-pub", "retrieved_at": "2026-09-15", "reason": "every candidate on the page was refused" }, { "source": "Allica Bank, commercial mortgages guide", "url": "https://www.allica.bank/commercial-mortgages/guide", "retrieved_at": "2026-09-15", "reason": "read in full and no accepted figure on the page" } ], "sources": [ { "url": "https://lendus.co.uk/commercial-mortgages/pub/", "label": "Lendus, commercial mortgages for pubs and licensed premises", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://lendus.co.uk/guides/commercial-mortgage-for-pubs/", "label": "Lendus, commercial mortgage for pubs guide", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://abcfinance.co.uk/commercial-mortgages/guides/pubs/", "label": "ABC Finance, commercial mortgages for pubs", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://abcfinance.co.uk/commercial-mortgages/", "label": "ABC Finance, commercial mortgages UK 2026", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.commercialtrust.co.uk/commercial-mortgage-interest-rates/", "label": "Commercial Trust, commercial mortgage interest rates", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://commercialmortgagesbroker.co.uk/services/commercial-mortgages/rates", "label": "Commercial Mortgages Broker, commercial mortgage rates", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://uk-commercialfinance.co.uk/commercial-mortgage-rates/", "label": "UK Commercial Finance, commercial mortgage rates", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.platinumglobalbridgingfinance.co.uk/commercial-property-finance/commercial-mortgages/", "label": "Platinum Global, commercial mortgages", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://togethermoney.com/commercial-mortgages/commercial-property", "label": "Together, commercial and investment property mortgages", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://togethermoney.com/commercial-mortgages", "label": "Together, commercial mortgages", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://togethermoney.com/-/media/files/commercial-mortgages-guide.pdf", "label": "Together, commercial mortgages guide", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://togethermoney.com/case-studies/a-couple-buy-their-dream-village-pub", "label": "Together, a couple buy their dream village pub", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.allica.bank/commercial-mortgages", "label": "Allica Bank, commercial mortgages", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.allica.bank/commercial-mortgages/guide", "label": "Allica Bank, commercial mortgages guide", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.shawbrook.co.uk/property-finance/commercial-mortgages/", "label": "Shawbrook, commercial mortgages", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.interbay.co.uk/mortgages/commercial/rates", "label": "InterBay, commercial mortgage rates", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.redwoodbank.co.uk/commercial-mortgages/", "label": "Redwood Bank, commercial mortgages", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.recognisebank.co.uk/commercial-mortgages/", "label": "Recognise Bank, commercial mortgages", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.assetzcapital.co.uk/commercial-mortgages", "label": "Assetz Capital, commercial mortgages", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.htb.co.uk/specialist-mortgages/commercial", "label": "Hampshire Trust Bank, specialist commercial mortgages", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.fca.org.uk/consumers/fca-firm-checker", "label": "FCA Financial Services Register (firm checker)", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.fca.org.uk/consumers/fca-firm-checker", "label": "fca.org.uk", "license": "the publisher's own terms; quoted for reporting and comment" } ], "methodology": "Every row is a verbatim sentence read from the named source's own page through the estate's fetch service on the date shown, hash-pinned to the stored read (the sha of the page's visible text; the raw page is mirrored to R2). 2 of the 12 named sources that could be read published a usable figure; 10 published none and are recorded as not published, never filled in; 10 could not be read (blocked, dead or unreachable) and count nowhere. The headline figures (median, minimum, maximum, quartiles) are over ONE figure per source in % (a source's median where its page yielded several accepted sentences), so N counts sources, never sentences; 75 candidate sentence(s) were refused by a reviewer with the reason recorded. Derivation as chartered: one row per lender per product holding the rate (a fixed percentage or a stated margin over Bank Rate), the arrangement fee, the maximum LTV for a licensed-trade asset, the term, the minimum loan, the years of trading accounts demanded and whether an inexperienced operator is considered at all - and the two figures the market does not publish: the LICENSED-TRADE DISCOUNT, being the gap between a lender's headline commercial LTV and the LTV it will actually go to on a pub, and the same gap in rate; plus the share of the board that will lend to a first-time licensee. A pub is an operating business with a roof, so the maximum loan is set by the trade and the index carries the coverage ratio each lender applies to it", "embed": "

3.75 percent

median published figure, Pub Mortgage Lender Index, across 2 sources, read 26 September 2026

Source: pubmortgagecalculator.co.uk Pub Mortgage Lender Index
" }