This edition will be refreshed as late filings arrive. Charges created after 30 June 2026 are still being filed at Companies House, and HM Land Registry registers commercial sales months after completion. Figures for Q3 2026 will rise.
Key findings
- 118 pub and bar sales worth £81.8m were registered across England and Wales for completions between January and August 2026, at a median price of £321,500. Source: HM Land Registry Price Paid Data (property type Other).
- Pub and bar charges registered at Companies House across England and Wales were up 8.6% in H1 2026 against H1 2025 (415 vs 382). Source: Companies House charges register.
- Bridging and short-term lenders were the most active classified lender group across England and Wales, behind 30.1% of pub and bar charges in Jan to Sep 2026. Source: Companies House charges register, CMB lender classification.
- 1,184 pub and bar planning applications were submitted across England and Wales between January and September 2026, with 86.6% of decided applications granted. Source: Local planning authority records via Landstack.
- The median pub and bar sale price was 3.0% above the £312,250 median for all commercial property in England and Wales. Source: HM Land Registry Price Paid Data.
- Pubs and bars ranked 5 of 10 sectors for H1 2026 growth in secured lending. Source: Companies House charges register.
Pubs and bars lending Jan to Sep 2026
Lenders registered 608 pub and bar charges across England and Wales between January and September 2026. The first half of the year is fully filed, and H1 2026 volumes were up 8.6% on H1 2025 (415 against 382). Charges created from July onwards are still inside the 21-day Companies House filing window at the time of writing, so Q3 2026 counts are provisional and will rise.
Bridging and short-term lenders accounted for 30.1% of these charges and high street banks for 22.0%. We could match 66.3% of charges to a named lender in our classification. The remainder sit with smaller banks, private lenders and family offices.
The most active named lenders across England and Wales from January to August 2026 were Together (74 charges), NatWest (39) and Lloyds (28). We compare January to August with the same months of 2025 because September 2026 filings are still arriving.
12.0% of the charges sat behind an existing charge on the same title. That is a useful read on how often owners are raising second-charge borrowing against pub and bar rather than refinancing the senior loan.
Pub and bar charges by quarter
Lighter bar: Q3 2026, provisional while the 21-day filing window closes. Source: Companies House charges register.
Share of charges by lender type, Jan to Sep 2026
Most active named lenders, Jan to Aug
| Lender | 2026 | 2025 | Change |
|---|---|---|---|
| Together | 74 | 46 | +60.9% |
| NatWest | 39 | 44 | -11.4% |
| Lloyds | 28 | 11 | +154.5% |
| Barclays | 22 | 16 | +37.5% |
| Metro Bank | 19 | 10 | +90.0% |
| Charles Street | 16 | 5 | n/a |
| Allica Bank | 14 | 11 | +27.3% |
| Roma Finance | 9 | 6 | n/a |
| LHV Bank | 7 | 12 | -41.7% |
| Recognise Bank | 7 | 0 | n/a |
Charges registered against property, January to August of each year. Named lenders only.
Pubs and bars sales and prices
HM Land Registry has registered 118 pub and bar sales across England and Wales with completion dates between January and August 2026, worth £81.8m in total. The median sale price was £321,500, with the middle half of deals between £201,250 and £600,750. 14 sales were at £1m or more.
Commercial registrations run several months behind completions, so these counts will keep rising as the backlog clears. For that reason we do not compare 2026 sales volumes with 2025. Prices are more robust: the median for Jan to Sep 2025 was £425,000 across 348 fully registered sales.
94.1% of the sales were freehold.
Median sale price by quarter
| Quarter | Sales registered | Median price | Value |
|---|---|---|---|
| Q1 2026 | 72 | £302,000 | £38.9m |
| Q2 2026 | 38 | £337,750 | £33.7m |
| Q3 2026 | 8 | £649,999 | £9.2m |
Completions by quarter, as registered so far. Source: HM Land Registry Price Paid Data.
Local authorities with the most commercial sales
Pubs and bars planning pipeline
1,184 pub and bar planning applications were submitted across England and Wales between January and September 2026. Councils decided 1,021 with a granted or refused outcome in the period and granted 86.6% of them.
Quarterly submissions moved from 460 in Q3 2025 to 368 in Q3 2026. Applications are a forward signal for finance: a granted change of use or new unit usually needs a purchase, refinance or bridging loan within 12 months.
Applications submitted by quarter
Source: local planning authority records via Landstack.
Recent approvals
- Sandwell · DC/26/71787Proposed alteration of public house at ground floor approved flat 3 to a retail unit (Class e (a, b, c, e)), first floor rear extension with rear dormer window design alteration of approved flats 1 and 5 (remaining as 1-Granted 30 September 2026
- Rotherham · RB2026/1027Change of use and refit of vacant shop unit to a mixed-use venue including a bar/restaurant, indoor games areas, events room and family entertainment centre (Sui Generis)Granted 28 September 2026
- Cheshire East · 25/2782/FULApplication 1) proposed change of use from Valuers and Estate Agent office to mixed uses comprising food-hall, bar, restaurant, community use, and events space; together with glazed links to front elevation and associateGranted 28 September 2026
- Hyndburn · 11/26/0174Full: Change of Use from Public House (Sui Generis) to Convenience Store (Class E) with Rear Extension and Re-organisation of Car ParkingGranted 24 September 2026
- Sheffield · 26/02076/FULUse of former bank as a bar/restaurant (Sui Generis) with associated alterations including creation of external seating areasGranted 22 September 2026
- Dartford · 26/00288/FULContinued use of upper floors and part of ground floor as 5 bedroom, 6 person House of Multiple Occupation for a temporary period. Provision of refuse and cycle storage; retention of the public house use at ground floorGranted 21 September 2026
Pubs and bars against the wider commercial market
The median pub and bar sale price of £321,500 was 3.0% above the £312,250 median for all commercial property in England and Wales.
H1 2026 lending outpaced the national market: +8.6% here against +1.8% for all commercial property charges in England and Wales.
The planning approval rate of 86.6% compares with 86.9% for commercial applications nationally.
Financing pub and bar property
For lender criteria, typical terms and case examples on pub property finance, see Pub Property Finance, our specialist resource for this sector.
Regional breakdown
| Region | Charges | Sales | Applications |
|---|---|---|---|
| London & South East | 162 | 17 | 462 |
| Midlands | 132 | 23 | 192 |
| North East & Yorkshire | 70 | 18 | 176 |
| South West | 64 | 15 | 122 |
| North West | 79 | 18 | 120 |
| East of England | 57 | 11 | 91 |
| Wales | 44 | 16 | 21 |
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Methodology and sources
Sales: HM Land Registry Price Paid Data, property type "Other", which covers non-residential sales in England and Wales. Rows that share a price and date are counted as one multi-title deal. Data registered to 25 August 2026.
Lending: the Companies House charges register (snapshot 1 October 2026). A charge counts as commercial when it is secured on a property postcode and either the borrower operates in a commercial sector (for example hotels, pubs, care, retail, manufacturing or logistics, by SIC code) or the postcode matches a commercial sale in 2025 or 2026. Lenders are grouped using our own classification.
Planning: local planning authority records collated by Landstack, filtered to applications whose description indicates a commercial use. Discharge of conditions, advertisement consents, householder works and conversions to residential are excluded. Records cover 253 councils; where a council's applications are not yet collated, its pipeline is understated.
Geography: regions follow postcode districts. County reports cover the ceremonial county including its unitary authorities. City reports cover the local authority area named on each page. Scotland and Northern Ireland are outside HM Land Registry coverage and are not included.
Sector identification: a sale or charge is included when its address or charge particulars name the use, or when the borrower's SIC code places it in the sector. Planning applications are included when the description names the use. Sections with too few records to be reliable are not shown.
Commercial mortgages are unregulated lending and fall outside the FCA's regulated mortgage perimeter. We do not hold FCA authorisation because the products we arrange are unregulated. This report is market information, not advice.