Commercial Mortgages

Pub Acquisition for Managed Operation in the Cotswolds

£840,000 · 15 years · 6.75% fixed 3 yrs. An experienced hospitality operator acquired a freehold Cotswolds pub with letting rooms from a retiring landlord.

Category
Commercial Mortgages
Loan Amount
£840,000
LTV
62%

The Client

Experienced hospitality operator

The Challenge

An experienced hospitality operator acquired a freehold Cotswolds pub with letting rooms from a retiring landlord. The property had strong historical trading figures but a two-year gap in audited accounts during COVID made some lenders cautious. Post-pandemic trading had fully recovered.

Our Solution

Doulton presented the application with a detailed trading analysis normalising the COVID period and demonstrating the recovery trajectory. A specialist hospitality lender was identified with a pragmatic approach to COVID-era accounts. The strong location, freehold nature, and operator's track record across two other venues supported the case.

The Outcome

Pub purchased and operational from day one of ownership. Food and accommodation revenue in the first full year exceeded the pre-COVID peak by 18%. Mortgage comfortably serviced from trading income. Key highlights: COVID-era accounts gap managed with specialist lender; Operator's multi-site track record strengthened case; Revenue 18% above pre-COVID peak in year one.

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