Pub Finance

Pub mortgage and finance for experienced operators

Running a successful pub takes a particular set of skills. If you’ve managed a public house for a minimum of two to three years, you may have the experience and knowledge necessary to qualify as a lower risk investee in the eyes of potential lenders.

Simply having worked in a pub won’t count in the same way unfortunately, although lenders may be more inclined to invest in someone with relevant sector experience. It takes hands-on public house ownership and management to achieve the most competitive rates.

That’s not all it takes though. Using the services of a specialist finance broker when applying for a pub mortgage or re-finance solution can make the difference between a good value loan and the best possible loan on the market.

Why re-finance a pub?

Restructuring pub finance can enable a range of business objectives, including the purchase of a new public house or the re-mortgage of an existing one, raising capital for extending or improving pub premises or consolidating debt.

Here are just a few of the options:

Reduce monthly payments – Re-financing a pub mortgage can lower your monthly payments, either by changing the loan’s interest rate, or by altering the term to maturity of the loan.

Reduce risk – Another use of pub re-finance is to reduce the risk associated with an existing loan. Re-financing an adjustable-rate pub mortgage into a fixed-rate one lowers the risk of rising interest rates.

Re-finance personal debt – Re-financing a pub loan can assist in paying off high-interest debt such as credit card debt, with lower-interest debt such as that of a fixed-rate home mortgage. With a clearer picture of your general credit worthiness, lenders can offer lower borrowing rates.

Why use a broker for pub finance?

Commercial loans against a public house vary considerably from lender to lender but as a general rule, freehold pub mortgages consist of a 15-20 year term.

At Stewart Hindley, we are experienced in offering financial solutions for all the public house re-financing needs listed above and more, with the ability to offer pub loans for leasehold businesses to cover a short-term lease of up to 35 years.

With our whole of market approach and public house sector knowledge, we can achieve leasehold pub finance with up to 70% loan to property value ratio, at five to 30 year mortgage terms.

Combined with your standing as an experienced pub operator, our expertise will help steer you through the business re-financing options, so that you understand the exposure and the level of risk and reward before deciding on a re-financing proposal for your public house.

What will it cost you?

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Your monthly business mortgage payments to settle interest and capital will be…

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Get in touch

Ready to find out more? If you are an experienced pub operator in need of finance, please get in touch and find out how we can help you.

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01488 684 834