Pub mortgage: Pub Mortgage Lender Index
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.
The median is unchanged since 25 September 2026 (was 3.75 percent across 2).
By lender
| Breakdown | Median | Range | Sources |
|---|---|---|---|
| lender Commercial Mortgages Broker, best available rate | 5.25 % | 5.25 to 5.25 % | 1 |
| lender Assetz Capital, margin over Bank Rate | 2.25 % | 2.25 to 2.25 % | 1 |
Every figure, with its source
One row per source: the figure the source's own page publishes, the page, and the day it was read. A figure that is not on a page we read is not on this one.
| Source | Figure | Breakdown | Read |
|---|---|---|---|
| Commercial Mortgages Broker, commercial mortgage rates | 5.25 % | Commercial Mortgages Broker, best available rate | 2026-09-15 |
| Assetz Capital, commercial mortgages | 2.25 % | Assetz Capital, margin over Bank Rate | 2026-09-15 |
The sentence each figure was read from (2)
- Commercial Mortgages Broker, commercial mortgage rates, read 2026-09-15:
From 5.25% Best available rate
- Assetz Capital, commercial mortgages, read 2026-09-15:
From 2.25% + Bank of England Bank Rate
Read in full, publishes no figure
10 named sources were read in full on the dates shown and print no usable figure. They are counted, never filled in.
- Lendus, commercial mortgages for pubs and licensed premises, read 2026-09-15: every candidate on the page was refused
- Lendus, commercial mortgage for pubs guide, read 2026-09-15: every candidate on the page was refused
- ABC Finance, commercial mortgages for pubs, read 2026-09-15: every candidate on the page was refused
- ABC Finance, commercial mortgages UK 2026, read 2026-09-15: every candidate on the page was refused
- Commercial Trust, commercial mortgage interest rates, read 2026-09-15: every candidate on the page was refused
- UK Commercial Finance, commercial mortgage rates, read 2026-09-15: every candidate on the page was refused
- Platinum Global, commercial mortgages, read 2026-09-15: every candidate on the page was refused
- Together, commercial mortgages guide, read 2026-09-15: read in full and no accepted figure on the page
- Together, a couple buy their dream village pub, read 2026-09-15: every candidate on the page was refused
- Allica Bank, commercial mortgages guide, read 2026-09-15: read in full and no accepted figure on the page
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
75 candidate sentences on these pages were refused by a reviewer; each refusal and its reason is recorded in the review ledger.
Sources (22)
- Lendus, commercial mortgages for pubs and licensed premises (the publisher's own terms; quoted for reporting and comment)
- Lendus, commercial mortgage for pubs guide (the publisher's own terms; quoted for reporting and comment)
- ABC Finance, commercial mortgages for pubs (the publisher's own terms; quoted for reporting and comment)
- ABC Finance, commercial mortgages UK 2026 (the publisher's own terms; quoted for reporting and comment)
- Commercial Trust, commercial mortgage interest rates (the publisher's own terms; quoted for reporting and comment)
- Commercial Mortgages Broker, commercial mortgage rates (the publisher's own terms; quoted for reporting and comment)
- UK Commercial Finance, commercial mortgage rates (the publisher's own terms; quoted for reporting and comment)
- Platinum Global, commercial mortgages (the publisher's own terms; quoted for reporting and comment)
- Together, commercial and investment property mortgages (the publisher's own terms; quoted for reporting and comment)
- Together, commercial mortgages (the publisher's own terms; quoted for reporting and comment)
- Together, commercial mortgages guide (the publisher's own terms; quoted for reporting and comment)
- Together, a couple buy their dream village pub (the publisher's own terms; quoted for reporting and comment)
- Allica Bank, commercial mortgages (the publisher's own terms; quoted for reporting and comment)
- Allica Bank, commercial mortgages guide (the publisher's own terms; quoted for reporting and comment)
- Shawbrook, commercial mortgages (the publisher's own terms; quoted for reporting and comment)
- InterBay, commercial mortgage rates (the publisher's own terms; quoted for reporting and comment)
- Redwood Bank, commercial mortgages (the publisher's own terms; quoted for reporting and comment)
- Recognise Bank, commercial mortgages (the publisher's own terms; quoted for reporting and comment)
- Assetz Capital, commercial mortgages (the publisher's own terms; quoted for reporting and comment)
- Hampshire Trust Bank, specialist commercial mortgages (the publisher's own terms; quoted for reporting and comment)
- FCA Financial Services Register (firm checker) (the publisher's own terms; quoted for reporting and comment)
- fca.org.uk (the publisher's own terms; quoted for reporting and comment)
Cite or embed this figure
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).
Cite as: "pubmortgagecalculator.co.uk Pub Mortgage Lender Index", updated 2026-09-26, https://pubmortgagecalculator.co.uk/datasets/pub-mortgage-lender-index/.
Download the CSV (2 rows, computed 2026-09-26)