Loan-to-value and deposit calculator
Work out the loan-to-value, loan amount and deposit on a pub purchase or refinance. Enter the value and solve for any one of loan, deposit or target LTV.
- Loan amount·
- Deposit / equity·
Indicative only. Not a quote, an offer or financial advice.
Commercial finance of this kind is not regulated by the Financial Conduct Authority. Any figures produced here are indicative only, not a quote or financial advice, and are subject to status, valuation and full lender approval. Take independent professional advice before borrowing.
What loan-to-value means
Loan-to-value, or LTV, is the loan as a percentage of the property value. A loan of 600,000 pounds against an 800,000 pound pub is a 75 percent LTV, leaving a 200,000 pound deposit or equity contribution. Lenders set a maximum LTV they will support for a given property and borrower, and the lower the LTV the lower the risk to the lender, which can help on pricing.
Enter the property value and then solve for whichever figure you know. Provide a loan amount and we show the deposit and LTV; provide a deposit and we show the loan and LTV; provide a target LTV and we show the loan and deposit you would need.
What it means on a pub
The maximum LTV available on a pub depends on whether it is held freehold or leasehold, the type of trade and the strength of the income behind it. A freehold pub with a settled trading record can attract stronger loan-to-value support, while a leasehold site or a turnaround opportunity often needs a larger contribution. Lenders also weigh how much of the value sits in the property as bricks and mortar versus the going concern. This calculator does the arithmetic; the achievable LTV on your specific deal is something we confirm with the lenders most likely to support it.
On a refinance the same logic applies to your equity. If the pub has risen in value, perhaps after a refurbishment or a lift in trade, your effective LTV falls, which can release equity or improve the terms available. We model both purchase and refinance positions when we set out indicative terms.
Questions
How do you calculate loan-to-value?
Loan-to-value is the loan amount divided by the property value, expressed as a percentage. For example, a 600,000 pound loan on an 800,000 pound pub is a 75 percent LTV. The deposit or equity is the remainder, here 200,000 pounds. This calculator works it out whichever figure you start from.
What loan-to-value can I get on a pub?
It depends on the property and the trade behind it. A freehold pub with a strong, settled trading record can attract higher loan-to-value support than a leasehold site or a property bought as a turnaround. The figure on your deal is confirmed after a review; this calculator handles the arithmetic so you can model scenarios.
Does a bigger deposit get a better rate?
Often, yes. A lower loan-to-value reduces the lender's risk, which can support a better rate or wider lender choice, though the tenure, trade and going concern still drive the outcome. Use the calculator to see how changing the deposit moves the LTV, then talk to us about what that means in practice.
Talk to us about your deal
A calculator is a starting point. Tell us about the property and what you want to do, and we will come back with indicative terms, with no obligation.