Christie Finance highlights lender confidence in Pubs & Restaurants Market Review 2025
Specialist business property adviser, Christie & Co, has released its 'Pub and Restaurants market review 2025' which explores the current market landscape for pub and restaurant businesses, including trends in transactional activity, the trading environment, franchising, funding and insurance conditions, and predictions for the second half of the year.
Christie Finance
Confidence within the lending market for the pub and restaurant sectors has remained steady, despite broader economic uncertainties. This resilience is reflected in the continued availability and competitiveness of funding products which are tailored to operators in the sector.
Loan-to-value (LTV) ratios have remained consistent throughout the year, and interest rates have shown relative stability. Fixed-rate options remain attractive, and lenders continue to offer a diverse range of products and features which allow borrowers to customise repayment structures to suit their operational needs.
The current lending environment presents meaningful opportunities for operators. While there remains a market preference for pubs with letting accommodation and diversified income streams, there has been a noticeable shift towards supporting food-led and wet-led establishments more equally. This broadening of lender appetite is creating a more inclusive landscape for a wider range of operators.
Experience continues to be a key factor for lenders, and this creates excellent opportunities for experienced leasehold operators who are looking to transition into ownership, especially if the opportunity pertains to their current site. This trend is expected to grow, and is underpinned by favourable lending conditions and a supportive market environment.
Although freehold acquisitions remain a primary focus for many lenders, there has been a marked improvement in the availability of funding for leasehold transactions. This development is particularly beneficial for first-time buyers and emerging operators, enhancing accessibility to the sector.
While challenges persist, the sector’s ongoing demonstration of resilience and innovation continues to reinforce lender confidence.
To read the full report, click here: https://www.christie.com/news-resources/publications/pubs-restaurants-market-review-2025/
To discuss funding for your business, get in touch:
Nathan McFarlane
Finance Consultant
M: +44 7775 807 074
E: nathan.mcfarlane@christiefinance.com