# 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.

Pub Mortgage Calculator · https://pubmortgagecalculator.co.uk/datasets/pub-mortgage-lender-index/ · computed 2026-09-26

**Median published figure:** 3.75 % (range 2.25 to 5.25 %; 2 sources with a figure; 2 of 12 sources read publish one).

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.

| Source | Figure | Breakdown | Read |
|---|---|---|---|
| [Commercial Mortgages Broker, commercial mortgage rates](https://commercialmortgagesbroker.co.uk/services/commercial-mortgages/rates) | 5.25 % | Commercial Mortgages Broker, best available rate | 2026-09-15 |
| [Assetz Capital, commercial mortgages](https://www.assetzcapital.co.uk/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](https://commercialmortgagesbroker.co.uk/services/commercial-mortgages/rates), read 2026-09-15: "From 5.25% Best available rate"
- [Assetz Capital, commercial mortgages](https://www.assetzcapital.co.uk/commercial-mortgages), read 2026-09-15: "From 2.25% + Bank of England Bank Rate"

## Read in full, publishes no figure

- [Lendus, commercial mortgages for pubs and licensed premises](https://lendus.co.uk/commercial-mortgages/pub/), read 2026-09-15: every candidate on the page was refused
- [Lendus, commercial mortgage for pubs guide](https://lendus.co.uk/guides/commercial-mortgage-for-pubs/), read 2026-09-15: every candidate on the page was refused
- [ABC Finance, commercial mortgages for pubs](https://abcfinance.co.uk/commercial-mortgages/guides/pubs/), read 2026-09-15: every candidate on the page was refused
- [ABC Finance, commercial mortgages UK 2026](https://abcfinance.co.uk/commercial-mortgages/), read 2026-09-15: every candidate on the page was refused
- [Commercial Trust, commercial mortgage interest rates](https://www.commercialtrust.co.uk/commercial-mortgage-interest-rates/), read 2026-09-15: every candidate on the page was refused
- [UK Commercial Finance, commercial mortgage rates](https://uk-commercialfinance.co.uk/commercial-mortgage-rates/), read 2026-09-15: every candidate on the page was refused
- [Platinum Global, commercial mortgages](https://www.platinumglobalbridgingfinance.co.uk/commercial-property-finance/commercial-mortgages/), read 2026-09-15: every candidate on the page was refused
- [Together, commercial mortgages guide](https://togethermoney.com/-/media/files/commercial-mortgages-guide.pdf), read 2026-09-15: read in full and no accepted figure on the page
- [Together, a couple buy their dream village pub](https://togethermoney.com/case-studies/a-couple-buy-their-dream-village-pub), read 2026-09-15: every candidate on the page was refused
- [Allica Bank, commercial mortgages guide](https://www.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

## Sources

- [Lendus, commercial mortgages for pubs and licensed premises](https://lendus.co.uk/commercial-mortgages/pub/) (the publisher's own terms; quoted for reporting and comment)
- [Lendus, commercial mortgage for pubs guide](https://lendus.co.uk/guides/commercial-mortgage-for-pubs/) (the publisher's own terms; quoted for reporting and comment)
- [ABC Finance, commercial mortgages for pubs](https://abcfinance.co.uk/commercial-mortgages/guides/pubs/) (the publisher's own terms; quoted for reporting and comment)
- [ABC Finance, commercial mortgages UK 2026](https://abcfinance.co.uk/commercial-mortgages/) (the publisher's own terms; quoted for reporting and comment)
- [Commercial Trust, commercial mortgage interest rates](https://www.commercialtrust.co.uk/commercial-mortgage-interest-rates/) (the publisher's own terms; quoted for reporting and comment)
- [Commercial Mortgages Broker, commercial mortgage rates](https://commercialmortgagesbroker.co.uk/services/commercial-mortgages/rates) (the publisher's own terms; quoted for reporting and comment)
- [UK Commercial Finance, commercial mortgage rates](https://uk-commercialfinance.co.uk/commercial-mortgage-rates/) (the publisher's own terms; quoted for reporting and comment)
- [Platinum Global, commercial mortgages](https://www.platinumglobalbridgingfinance.co.uk/commercial-property-finance/commercial-mortgages/) (the publisher's own terms; quoted for reporting and comment)
- [Together, commercial and investment property mortgages](https://togethermoney.com/commercial-mortgages/commercial-property) (the publisher's own terms; quoted for reporting and comment)
- [Together, commercial mortgages](https://togethermoney.com/commercial-mortgages) (the publisher's own terms; quoted for reporting and comment)
- [Together, commercial mortgages guide](https://togethermoney.com/-/media/files/commercial-mortgages-guide.pdf) (the publisher's own terms; quoted for reporting and comment)
- [Together, a couple buy their dream village pub](https://togethermoney.com/case-studies/a-couple-buy-their-dream-village-pub) (the publisher's own terms; quoted for reporting and comment)
- [Allica Bank, commercial mortgages](https://www.allica.bank/commercial-mortgages) (the publisher's own terms; quoted for reporting and comment)
- [Allica Bank, commercial mortgages guide](https://www.allica.bank/commercial-mortgages/guide) (the publisher's own terms; quoted for reporting and comment)
- [Shawbrook, commercial mortgages](https://www.shawbrook.co.uk/property-finance/commercial-mortgages/) (the publisher's own terms; quoted for reporting and comment)
- [InterBay, commercial mortgage rates](https://www.interbay.co.uk/mortgages/commercial/rates) (the publisher's own terms; quoted for reporting and comment)
- [Redwood Bank, commercial mortgages](https://www.redwoodbank.co.uk/commercial-mortgages/) (the publisher's own terms; quoted for reporting and comment)
- [Recognise Bank, commercial mortgages](https://www.recognisebank.co.uk/commercial-mortgages/) (the publisher's own terms; quoted for reporting and comment)
- [Assetz Capital, commercial mortgages](https://www.assetzcapital.co.uk/commercial-mortgages) (the publisher's own terms; quoted for reporting and comment)
- [Hampshire Trust Bank, specialist commercial mortgages](https://www.htb.co.uk/specialist-mortgages/commercial) (the publisher's own terms; quoted for reporting and comment)
- [FCA Financial Services Register (firm checker)](https://www.fca.org.uk/consumers/fca-firm-checker) (the publisher's own terms; quoted for reporting and comment)
- [fca.org.uk](https://www.fca.org.uk/consumers/fca-firm-checker) (the publisher's own terms; quoted for reporting and comment)

## Cite or embed

- 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/.

CSV: https://pubmortgagecalculator.co.uk/datasets/pub-mortgage-lender-index.csv
JSON: https://pubmortgagecalculator.co.uk/datasets/pub-mortgage-lender-index.json
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