Module 1: The 'Married Value' Formula
Why combining your leasehold business with the freehold creates a combined asset worth significantly more than the two parts separately.
Acorn Pub90 Desk · Freehold Buyout Feasibility Workbook
Calculate Your Pub's Married Value: The PubCo Tenant Buyout Workbook
Are you paying dry rent and tied beer prices to a PubCo? Discover how combining your leasehold trading business with the freehold creates instant asset equity—and how to fund up to 90%–100% of the purchase.
Download Free PDF Workbook & CalculatorAcorn Finance · Pub90 Desk
The PubCo Freehold Buyout & Married Value Workbook
2026 Edition
Married Value · Rent vs Mortgage · FMT & FMOP · PubCo Approach
16-page feasibility workbook + spreadsheet
What's Inside the 16-Page Feasibility Workbook
Module 2: The Rent vs. Mortgage Swap
How to compare your current tied rent and wet-margin loss against monthly commercial mortgage debt service.
Module 3: FMT & FMOP Calculator
Calculate your true Fair Maintainable Operating Profit without PubCo tied prices.
Module 4: The PubCo Approach Script
A professional step-by-step framework to pitch a freehold purchase to your PubCo estate manager.
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Complete the details below for immediate PDF and spreadsheet access.
The Core Lesson
Understanding Married Value Uplift
Three components explain why a sitting tenant can sometimes secure substantially higher leverage than a conventional buyer.
Card 1
1. Your Leasehold Trading Value
Valued on your current net profit while tied to brewery prices and paying annual rent.
Card 2
2. The PubCo's Investment Freehold
Valued purely as an income stream based on the rental yield you pay them.
Card 3
3. The Combined 'Married Value' Asset
When you buy the freehold, the tie is broken. Margins expand, rent disappears and the combined unencumbered asset can unlock substantial equity—allowing Acorn to arrange up to 90%–100% funding.
Interactive Preview
Rent vs. Mortgage Calculator
Compare your current tied-lease burden with an indicative commercial mortgage before completing the full workbook.
£36,000
£600,000
£20,000
Mortgage illustration: 90% of purchase price, 7.5% p.a., capital and interest over 20 years. Fees, tax and ownership costs are excluded.
Total Current Annual Cost of Tied Lease£56,000
Estimated Monthly Commercial Mortgage Repayment£4,350
Net Annual Cashflow Improvement+£3,798
Max Pub90 LTV Capital Available£540,000
Run Full Calculations in the Downloadable Workbook Important Valuation & Financial Notice
Acorn Finance is a credit broker authorised and regulated by the FCA (#660207), not a chartered surveyor or tax advisory firm. The Pub90 program arranges commercial debt based on independent RICS Red Book valuations evaluating Fair Maintainable Trade (FMT) and Married Value uplift. Completing this workbook provides indicative guidance for discussion purposes. Formal loan offers require full underwriting and independent property valuation.
Knowledge & Next Steps
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