Do UK Business Loans link pubs to commercial mortgages?

Summary — short answer

Yes. UK Business Loans connects pub owners and operators with specialist brokers and lenders who arrange commercial mortgages for buying, refinancing or refurbishing pubs. We do not lend, and we do not provide regulated financial advice — we introduce your enquiry to vetted lenders/brokers so they can perform a free eligibility check and provide no‑obligation quotes. For pubs seeking funding from around £10,000 and upwards, submit a Free Eligibility Check to get matched quickly: Free Eligibility Check — Get Quote Now.

How UK Business Loans helps pub owners find commercial mortgages

• Introducer service: you complete a short enquiry and we forward your details to relevant lenders and brokers experienced in pub finance (freehold or leasehold).
• Sector matching: we prioritise partners who understand wet‑led, food‑led, tied and tenanted pub models and multi‑site portfolios.
• Speed: our lender and broker partners often give initial responses within hours — faster than approaching multiple lenders yourself.
• Choice: we match you to several providers so you can compare terms and pick the best fit.

Get Quote Now — Free Eligibility Check (it only takes about 2 minutes and does not affect your credit score).

What “linking pubs to commercial mortgages” actually looks like

When we say we “link” pubs to commercial mortgages, it means:

1. Short enquiry: you enter basic information — company name, property status (freehold/leasehold), required loan amount (from £10,000+), trading history, turnover and contact details.
2. Matching: we pass your enquiry to selected lenders/brokers in our network who specialise in hospitality and property finance.
3. Eligibility check: a broker or lender will contact you to carry out a quick eligibility assessment and provide indicative terms or request documents.
4. Application: once you select a lender/broker to proceed, they handle the formal application, valuation, underwriting and legal work through to completion.

Types of commercial mortgage finance for pubs

• Purchase mortgages — buy to operate or buy to let (freehold and some leasehold purchases).
• Remortgage / refinance — release equity, consolidate debt or secure better rates.
• Development & conversion finance — funds for refurbishment, extensions or converting space (eg adding flats above a pub).
• Bridging finance — short‑term funding for quick purchases or bridging sale proceeds.
• Portfolio lending — for multi‑site pub groups or chains.
• Combined solutions — some brokers combine mortgage lending with working capital or asset finance where appropriate.

Who typically qualifies and what lenders assess

Criteria vary by lender, but common underwriting considerations include:

• Property type: freeholds are generally more attractive to mainstream commercial mortgage lenders; leaseholds can be financed subject to lease length and landlord terms.
• Trading performance: lenders usually prefer at least two years of trading evidence, though specialist providers may consider start‑ups with strong plans.
• Turnover & profitability: consistent turnover and positive cashflow strengthen applications.
• Deposit / security: lending‑to‑value (LTV) depends on the asset and the borrower’s profile; some deposit or equity will commonly be required.
• Owner experience & credit: directors’ experience in hospitality and personal credit histories are taken into account.
• Tenancy/tenure: tied, managed or free‑of‑tie models affect terms and appetite.

Documents lenders commonly request

• Last 2–3 years’ business accounts (or management accounts where appropriate)
• Bank statements (3–6 months)
• Title deeds or lease documentation
• Business plan and cashflow forecasts (especially for development or start‑up scenarios)
• Refurbishment quotes where funding is for works
• Identification and proof of address for directors

How long does a pub commercial mortgage take?

Timelines depend on product type and complexity:

• Enquiry & match via UK Business Loans: often hours to 24 hours for initial broker contact.
• Initial eligibility & indicative terms: typically 24–72 hours after a broker/lender reviews your details.
• Full application to completion: commonly 4–12 weeks for standard commercial mortgages (valuation, underwriting and legal). Complex development or portfolio deals can take longer.
• Bridging finance: can be arranged in days to a few weeks depending on the lender and legal requirements.

Free Eligibility Check — Get Quote Now if you want a fast estimate tailored to your pub.

Fees and costs to expect

Typical costs you should budget for:

• Valuation and surveyor fees
• Legal/conveyancing fees
• Arrangement fees charged by lenders
• Broker fees or commission (some brokers charge fees, others are commission‑based)
• Early repayment charges (check your existing agreements before remortgaging)

Important: UK Business Loans does not charge for introductions. Any fees or commissions will be disclosed by the lender/broker before you sign any agreement.

Benefits of using UK Business Loans versus applying direct

Using our introducer service can save time and improve outcomes:

• Single form, multiple matches: one short enquiry reaches a panel of lenders and brokers.
• Faster initial responses: our partners prioritise matched enquiries and often reply quicker than cold approaches.
• Sector expertise: matched brokers understand pub trading patterns and tenancy models.
• Access to specialist lenders: some lenders are not visible on high‑street comparison sites.

What to watch for: always request full terms, APRs and any fees in writing from the lender or broker you choose, and be clear who will charge you for any services.

Compliance, transparency and what UK Business Loans is

We are an introducer: we connect pub owners with lenders and brokers who can provide finance. We do not lend money and we do not provide regulated financial advice. Lenders and brokers we introduce will explain any regulated elements of their products, provide full documentation and disclose fees before you enter into any agreement.

Submitting an enquiry is a preliminary step and does not affect your credit score. Lenders/brokers may perform credit checks later, only with your consent.

Step‑by‑step: how to get matched for a pub commercial mortgage

1. Click Free Eligibility Check — Get Quote Now and complete the short form (about 2 minutes).
2. We match your enquiry to suitable, approved lenders and brokers.
3. A broker/lender contacts you for a fast eligibility check and an indicative quote.
4. Choose the provider you prefer and proceed — they manage the application, valuation and legal process through to completion.

Frequently asked questions (FAQ)

Do you lend directly to pubs?

No. UK Business Loans does not provide lending. We introduce your enquiry to lenders and brokers who manage lending, underwriting and contracts.

Will completing the form affect my credit score?

No. Completing the enquiry for matching purposes does not affect your credit score. Lenders may run checks later in the formal application stage and only with your permission.

Can leasehold pubs get commercial mortgages?

Yes. Leasehold pubs can be financed, but approval depends on remaining lease length, landlord consents and the commercial viability shown in accounts and forecasts.

What loan sizes can your partners arrange?

Our network commonly arranges loans from around £10,000 upwards — from small bridging or refurbishment loans to larger purchase and portfolio financing.

How soon will a lender contact me?

Often within hours during business hours. For more complex enquiries, it may take longer while a broker consults specialist lenders.

Ready to get matched?

If you run a pub and want quick, no‑obligation options for a commercial mortgage, start with a Free Eligibility Check — it takes around 2 minutes and helps us match you to appropriate lenders and brokers: Get Quote Now — Free Eligibility Check.

If you’d like to read more about pub finance and the specialist options available, see our industry page on pubs business loans.

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Legal note: UK Business Loans introduces businesses to third‑party lenders and brokers. We do not provide regulated financial advice or lend money. All finance offers, rates and fees are set and confirmed by the lender or broker you choose.

1. Are you a lender or do you provide business loans directly?
No — UK Business Loans is an introducer that connects you with vetted brokers and lenders; we do not lend or provide regulated financial advice.

2. Is the Free Eligibility Check an application and will it affect my credit score?
No — the Free Eligibility Check is just an enquiry to match you with lenders and does not affect your credit score; lenders may run checks later only with your consent.

3. What types of commercial mortgages and business loans can you help me find?
We can match you to lenders for purchase mortgages, remortgage/refinance, development and conversion finance, bridging loans, portfolio lending and combined solutions including working capital or asset finance.

4. How much can I borrow through your lender network?
Our partners commonly arrange loans from around £10,000 up to multi‑million pound financing depending on the product and borrower profile.

5. Can leasehold pubs or tied-tenancy pubs get a commercial mortgage?
Yes — leasehold and tied pubs can be financed, though approval depends on lease length, landlord consents, tenancy model and demonstrated trading viability.

6. What documents will lenders or brokers typically ask for when applying for a pub commercial mortgage?
Commonly requested documents include the last 2–3 years’ business accounts (or management accounts), 3–6 months’ bank statements, title deeds or lease, ID and proof of address, business plans/cashflow forecasts and refurbishment quotes where relevant.

7. How long does it take to be matched and complete a pub mortgage application?
Matching via UK Business Loans often yields broker contact within hours to 24 hours, indicative terms in 24–72 hours, and full application to completion typically takes 4–12 weeks (bridging can be faster).

8. Does it cost anything to use UK Business Loans and when are any fees charged?
No — our introducer service is free; any arrangement, broker or lender fees will be disclosed by the provider before you sign any agreement.

9. Can businesses with limited trading history or bad credit get finance through your partners?
Some specialist lenders and brokers in our network consider start‑ups or applicants with imperfect credit if there is a strong business plan, sufficient security or alternative underwriting factors.

10. How do I start the process and what happens after I submit the short enquiry form?
Complete the two‑minute Free Eligibility Check, we match your enquiry to suitable UK brokers and lenders, and a matched provider will contact you to run a quick eligibility check and provide no‑obligation quotes.