Commercial Mortgages for Pubs

The pub is a central feature of UK life, with three out of five adults visiting at least once a year. The pub industry is a significant contributor to the economy, and given that both the number of breweries and beer sales are on the rise that is likely to continue to be the case.

There are currently around 50,000 public houses in the UK and the supply of good-quality premises is generally plentiful. So, too, are the types of pub available: do you want a city pub or a country inn? Will you be offering food and entertainment? And are you looking for a leasehold or freehold premises?
 
Whichever option you have in mind, Christie Finance will help you get the funding you need to purchase or lease the pub you want.

As an independent broker, Christie Finance is not tied to any particular lender. We have established and trust-based relationships with the leading lending institutions. We know which ones are financing the public house sector, and whom to approach to get the most competitive deal for you.

Pub loan features

The terms of a commercial loan against a pub will vary considerably from lender to lender but, as a general rule, the following may apply:

70% - 80%
loan to business value ratio
15-25
year mortgage term
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The Christie Finance Team

At Christie Finance we understand that running your own pub is a dream for many. While the business model for running a pub can be relatively straightforward, there are particular issues to be aware of, such as licensing and health and safety laws. Our experienced Consultants will be with you all the way – guiding you through the finance options and mortgage application process, from your initial enquiry to completion. But we don’t leave it there: We are always available to discuss and review your commercial mortgage to ensure it is as competitive as possible.

Key considerations
When you are thinking about buying a business there are various things that both you and a potential lender will need to consider:

•  Experience – do you have the right level of experience to run the business? How will you run it?

•  Performance – how well is the business doing? Is it in a good location? Is there enough profit in the business to be able to repay a loan easily and allow you to take enough out of the business for yourself?

•  Contribution – what are you able to invest in the business (savings, other properties, etc.)?

•  Personal history – do you have a clear credit history?

Christie & Co have over 245 independent pubs currently listed, with new businesses added regulary.

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Factors Affecting Your Loan Application

There are a number of factors which can help to make your hotel application more attractive to a lender:

  • A deposit of 30% or more
  • Additional security
  • Business plan
  • Proof of experience
  • Good credit history
  • Two years' trading accounts and income projections
  • Strong proposal from Christie Finance

Our commercial mortgage services

We’ve been helping first-time buyers and existing business owners secure funding for over 35 years.

What makes Christie Finance different?

Local

National coverage across the UK

Project management

From intial enquiry to completion - saving your precious time and money

Quick responses

Rapid business and commercial mortgage decisions

Relationship - C&Co

Our brokers can access the best new businesses for sale

Specialist knowledge

Over 35 years experience in our specialist sectors

Tailored loan options

Fixed and discounted rate available

The 'Christie' name

Adds credibility to the proposal - buying you a better deal

We are independent

We have no tie to any one lender

Find out more about commercial mortgages