10 pubs with a fascinating history to order a pint

Friends having a drink in the pub.

Pubs have been at the heart of British life for centuries, offering a warm place to have a meal and a drink after a busy day at work.

Data reported by Statista reveals that there were 45,000 pubs across the country in 2024. However, among those thousands, only a few can boast histories stretching back centuries.

In fact, some have seen royal intrigue, rebellions, and other momentous events of British history, all while serving their patrons.

So, continue reading to discover 10 pubs in the UK with a fascinating history you can still visit today.

1. Ye Olde Trip to Jerusalem, Nottingham

If you want to step back in time to medieval England, Ye Olde Trip to Jerusalem in Nottingham is the ideal place to start.

Nestled in the cliffs that support Nottingham Castle, the pub claims to be one of the oldest in England, dating back to 1189.

Built directly into the rock and caves, the pub is said to have hosted crusaders as they prepared to leave for the Holy Land.

Inside, you can find low ceilings and candlelit rooms that give you a sense of how the soldiers might have found comfort here before departing for war.

2. The Last Drop, Edinburgh

Set alongside the picturesque Grassmarket area of Edinburgh, The Last Drop is steeped in dark history.

Indeed, the Grassmarket was once the city’s main site for public executions. This meant that many of the condemned would have their “last drop”, both of ale and from the gallows, in this very spot – hence the name.

Today, you can sit by the window and look out across the same square where crowds once gathered for a grim spectacle, all while enjoying a refreshing pint.

3. The Porch House, The Cotswolds

Found in the idyllic Cotswold town of Stow-on-the-Wold, the quaint Porch House holds a supernatural secret.

Parts of the building are believed to date back to the 10th century, making it one of the oldest inns in England.

Inside, a 16th-century fireplace is laden with carvings known as “witch marks”, protective symbols once thought to ward off evil spirits.

The inn’s combination of rustic charm and deep, sometimes dark, history makes it a captivating place to relax for a drink.

4. The Skirrid Mountain Inn, Abergavenny

As the name might imply, the Skirrid Mountain Inn stands in the shadows of the Black Mountains near Abergavenny.

It’s considered one of the oldest pubs in Wales, and with that comes a dark history.

Indeed, the building served as a courtroom and a place of execution, where local legend claims that more than 200 convicts were hanged from a beam above the stairwell. The marks of the noose are still visible today.

The inn also has a close link with Welsh history, as it was reportedly a rallying point for Owain Glyndŵr during his uprising against English rule.

5. The Talbot Hotel, Northamptonshire

In the market town of Oundle in Northamptonshire, the Talbot Hotel has a close connection with one of the most tragic royals in history.

Its grand staircase, reputed to have been taken from Fotheringhay Castle, is the one that Mary, Queen of Scots, descended on the morning of her execution in 1587.

As you walk through the corridors of the dramatic hotel, it’s easy to sense echoes of the past, and the history here feels almost palpable.

6. Kelly’s Cellars, Belfast

Over the Irish Sea, Kelly’s Cellars in Belfast stands as one of the city’s oldest pubs, as it is believed to date back to 1720.

The pub itself is hidden behind Bank Street and was once a meeting place for the United Irishmen, who plotted the 1798 rebellion against British rule.

Its whitewashed walls and vaulted ceilings have changed little since then, and the atmosphere remains full of stories.

7. The Dove, London

Tucked away along the banks of the Thames in Hammersmith, the Dove is home to a significant moment in British history.

The snug interior holds the record for London’s smallest public bar, and it’s here that the Scottish poet, James Thomson, is said to have written the words to Rule, Britannia! during the 18th century.

It’s easy to see why he garnered inspiration here, as the riverside terrace and narrow doorways are the perfect place to sit and reflect.

8. The Globe Inn, Dumfries

If you’d like a taste of Scotland’s poetic past, you shouldn’t overlook the Globe Inn in Dumfries.

Founded in 1610, it was a favourite haunt of Robert Burns, who spent many evenings here having a dram (or several) and reflecting on his life.

His chair and collection of personal belongings are still preserved in the pub, giving you an incredible connection to the Bard of Ayrshire.

9. The Olde Coach House, Northamptonshire

Found in the village of Ashby St Ledgers, the Olde Coach House is tied to one of the UK’s most infamous conspiracies, including one that you might even have celebrated recently!

According to tradition, it was here that Guy Fawkes and his fellow plotters are believed to have met in 1605 to devise the Gunpowder Plot, their failed attempt to blow up the Houses of Parliament.

Today, the inn’s cosy interior disguises its turbulent past, although you can still sense the unrest that once brewed here.

10. The George & Dragon, North Yorkshire

The George & Dragon, found in Stockton-on-Tees, is a place where Britain’s industrial history began to take shape.

Local lore states that in the early 19th century, promoters of the Stockton and Darlington Railway gathered here to plan what would become the world’s first public railway. Their discussions changed Britain forever.

As you sit by the fire here, you can almost imagine the excitement of those meetings as they found themselves on the brink of incredible change.

How financial planning could give you the confidence to spend more

Happy couple shopping online

The importance of saving is drummed into us from a very early age. As a child, for example, you may have had a moneybox and been encouraged to save your spare coins.

As you get older, this extends into saving for university, saving up for a house, saving for retirement, and so on.

But what about spending? While looking after your financial future is indisputably important, so is taking care of your financial present.

Saving can become an ingrained habit that’s tough to break. Equally, spending can be a specific skill, and, like any other, it takes practice and support.

Read on to find out how having a strong financial plan in place can help you strike the right balance between spending for today and saving for tomorrow.

Anxiety over spending could mean missing out on fulfilling opportunities and experiences in the here and now

There have probably been occasions throughout your life where you’ve had to cut back a little, or your budget has prevented you from buying something.

But if this becomes a persistent pattern of unjustified frugality, it can affect your everyday life.

This fear of spending can be deep-rooted, and for some, it becomes so severe that it develops into a phobia known as “chrometophobia”.

While this is relatively rare, anxiety over spending is fairly common.

According to an August 2025 article in Money Marketing, in 2025, UK adults report negative emotions associated with spending retirement savings, including:

  • Anxiety (26%)
  • Fear (18%)
  • Guilt (15%)

If this is you, it could mean that you’re missing out on opportunities and experiences that you could well afford.

This is where a strong financial strategy can help. It would be easy to assume that financial planning deals only with saving, investing, and maximising wealth.

While these are key elements, the essence of financial planning is to help you live a rewarding life – during work, retirement, and beyond.

Living the life of your dreams is a key aspect of financial planning

To start spending your wealth with confidence, it can help to first define your life goals. These form the cornerstone of your financial plan, shaping your saving and spending to help you live the life of your dreams.

For example, they could include:

  • Buying a second property or a holiday home
  • Spending more time with your family
  • The age at which you’d like to retire
  • Travelling more.

Life goals are different for everyone, which is why bespoke financial advice is so important.

Cashflow modelling can project your finances over a range of scenarios, giving you increased spending confidence

Once you’ve identified what your goals are, you can map out your financial future, perhaps with the support of a financial planner.

Using a process called “cashflow modelling”, a financial planner can help to ascertain what income you are likely to need during retirement to live your dream lifestyle. Then, they can assess how well your wealth is organised to support those goals.

Using sophisticated software, your planner inputs details of your current income, spending, savings, investments, and pensions, along with your expected income and expenditure in later life. The software then factors in assumptions about inflation, tax, and investment growth to project how your finances might evolve over time, helping you visualise the impact of different life events and scenarios.

Plus, it will incorporate your tolerance to, and capacity for, losses, as well as how much you need to reach your goals. You can adjust these to see how outcomes might change.

Cashflow modelling can give you increased confidence that your savings will support your goals, as well as give you an idea of how different levels of spending could impact this.

While this process doesn’t offer any guarantees, it can offer educated guidance into your potential financial future.

Providing for your loved ones doesn’t always mean saving above spending

Effective estate planning is also a key part of financial confidence. If you’re thinking about how to provide for your loved ones after you’re gone, you may feel guilty spending money on yourself, and building up your wealth could seem like the logical move.

However, Inheritance Tax (IHT) rules can be complex, and simply leaving a large estate to your loved ones could mean you inadvertently land them with a large tax bill.

In some cases, spending some of your wealth to keep within the IHT threshold, which in 2025/26 is £325,000, could actually prove to be a more cost-effective option.

Get in touch

If you struggle with the concept of spending, it can often help to reframe it. Think of spending as investing in enriching your life, in the same way as saving is investing in your future.

If you’d like to talk to us about any aspect of financial planning, please get in touch, and we’ll be happy to help.

Please note: This blog is for general information only and does not constitute financial advice, which should be based on your individual circumstances. The information is aimed at retail clients only.

The Financial Conduct Authority does not regulate estate planning, cashflow planning, or tax planning.

The value of your investments (and any income from them) can go down as well as up, and you may not get back the full amount you invested. Past performance is not a reliable indicator of future performance. 

Investments should be considered over the longer term and should fit in with your overall attitude to risk and financial circumstances.

How you could use framing bias to your advantage

A father teaching his daughter to ride a bike.

When you consider how bias might affect your financial decisions, it’s often the harmful outcomes that come to mind. However, there are ways you can leverage certain biases, including framing bias, to your advantage.

Framing bias refers to the tendency for how information is presented to influence your perception or decisions.

For instance, if you read that 10% of a business’s customers are unsatisfied, you might assume it delivers poor service. However, if you switch this to say that 9 in 10 customers are satisfied, you’re more likely to have a positive view of the business.

The information presented is the same, but one option focuses on the positive, which may influence the decisions you make.

It’s a type of bias that could affect your financial decisions.

If you’re looking at an investment opportunity and see that it has a 10% chance of falling in value, this could trigger a fearful response. Even though there’s a greater chance that the value will remain the same or rise, the framing of the information means you’re more likely to focus on the risks. As a result, you may be tempted to place your money elsewhere, even if it’s an investment that fits your overall strategy.

On the other hand, if you read that an investment has a 90% chance of delivering returns, you may focus on how it could help you reach long-term financial goals.

3 practical ways you could reframe your financial decisions

1. Focus on long-term performance during market volatility

When investment markets are volatile, panic can set in. Rather than focusing on short-term falls in the value of your portfolio, you can reframe them more positively.

This may involve looking at long-term performance. Although the value of your assets might have dipped when compared to a month earlier, over your full investment horizon, you could still be in a strong position.

Alternatively, you could reframe market volatility as an opportunity. It’s a chance to buy stocks at a lower price and potentially benefit from the bounce-back.

Reframing investment volatility in this way could help you look at the bigger picture and avoid decisions based on fear.

2. Frame financial sacrifices as paying your future self

Securing the future you want often involves making financial sacrifices today. To enjoy a retirement that is filled with the things you love, you might need to reduce your disposable income to increase pension contributions.

Rather than looking at these decisions as a sacrifice, view them as a way of paying your future self. This mindset adjustment could make sticking to your long-term financial plan easier because you’re working towards a clear goal.

Similarly, you can reframe essential spending.

For example, your monthly premiums for income protection or life insurance may seem like an added household expense with little immediate benefit. Reframing this outlay as a way to insure your future can help you focus on the benefits financial protection offers.

3. Review information from a positive perspective

People often avoid financial decisions or certain options because they’re worried about the outcome or believe they lack the knowledge they need.

A July 2025 poll conducted by YouGov found that just 1 in 3 Brits express a willingness to invest savings in stocks and shares outside of a pension. One of the key reasons for avoiding investing was that it’s “too risky”.

While investing does present some risks, the markets have historically delivered long-term returns and recovered from downturns. While investment returns cannot be guaranteed, people who avoid investing because of their worries could be missing a chance to increase their wealth and reach life goals.

For those who focus on potential losses, reframing the information to emphasise potential returns and what they could enable in your life might be helpful.

Of course, a positive outlook needs to be realistic and, when investing, it’s important to be aware of the risks. A financial planner can help you establish what investment risks are appropriate for your circumstances.

Get in touch

Working with a professional financial planner could help you assess your financial decisions and identify when bias might be influencing the outcome. We could help you frame information in a way that allows you to assess your options. Please get in touch if you’d like to arrange a meeting.

Please note: This blog is for general information only and does not constitute financial advice, which should be based on your individual circumstances. The information is aimed at retail clients only.

The value of your investments (and any income from them) can go down as well as up, and you may not get back the full amount you invested. Past performance is not a reliable indicator of future performance.

Investments should be considered over the longer term and should fit in with your overall attitude to risk and financial circumstances.

A pension is a long-term investment not normally accessible until 55 (57 from April 2028). The fund value may fluctuate and can go down, which would have an impact on the level of pension benefits available.

Trick or treat: The “tricks” a financial plan could help you avoid

A child carving a pumpkin.
Taking control of your finances can be frightful. Complex rules that are easy to overlook could mean you fall for a “trick” when making financial decisions this Halloween, but a tailored financial plan could help you avoid falling for them.

Here are five financial “tricks” that you might overlook when managing your money, and what you can do to turn them into a “treat”.

1. Exceeding the Personal Savings Allowance could mean you pay tax on your savings

When you think of what you pay Income Tax on, it’s probably your salary that comes to mind. Yet, one “trick” you might fall for is the other sources of income that could be liable for tax, including the interest your savings earn.

How much you can receive in interest before Income Tax is due depends on the rate of Income Tax you pay:

  • Basic-rate taxpayers: £1,000
  • Higher-rate taxpayers: £500
  • Additional-rate taxpayers: £0

This means you could face an unexpected tax bill if you’re not monitoring how much interest you receive.

If you’re not already using your full ISA allowance, which is £20,000 in 2025/26, moving some of your savings into an ISA could be a simple way to reduce how much tax you pay. There might be other steps that are suitable for you as part of your wider financial plan.

2. The 60% tax trap that could affect high earners

Becoming a high earner offers greater financial freedom. However, it can also make your tax position more complex and even mean you effectively pay Income Tax at a rate of 60%.

While there isn’t an official tax rate of 60% on earnings, your Personal Allowance starts to reduce when you earn more than £100,000. For every £2 you earn above £100,000, you lose £1 of your Personal Allowance. In 2025/26, this means you lose all of the Personal Allowance if you’re earning £125,140 or more.

As a result, you’re effectively taxed at 60% on income between £100,000 and £125,140. According to a December 2024 article in the Financial Times, the number of people affected by this tax trap increased by 45% between 2021/22 and 2023/24.

The good news is there might be ways to turn this “trick” into a “treat”. For example, increasing your pension contributions could reduce your tax liability while boosting your retirement savings.

3. Higher- and additional-rate taxpayers could be missing out on pension tax relief

One of the reasons saving for retirement in a pension is financially savvy is that your contributions receive tax relief. This means the Income Tax you’d have paid on your contribution is added to your pension.

Assuming your contributions don’t exceed the Annual Allowance, you can receive tax relief at the highest rate of Income Tax you pay. However, while tax relief at the basic rate (20%) might be added to your pension automatically, you won’t receive the full amount you’re entitled to if you’re a higher- or additional-rate taxpayer.

Indeed, according to a March 2025 article in CityAM, 46% of high-income individuals who have a personal pension do not claim their full pension tax relief and, collectively, could have missed out on around £1.3 billion of pension contributions between 2016 and 2021.

Turning this “trick” into a “treat” is relatively straightforward. You need to claim the additional amount by completing a Self-Assessment tax form.

4. Accessing your pension could reduce your Annual Allowance

Usually, you can access your money held in your pension from age 55 (rising to 57 in 2027). As a result, some people withdraw a portion of their pension savings before they’re ready to fully retire.

However, if you take a flexible income from your pension, you could reduce how much you can tax-efficiently contribute. In 2025/26, the Annual Allowance is £60,000. This reduces to just £10,000 if you trigger the Money Purchase Annual Allowance (MPAA).

If you’d planned to continue contributing to your pension, the MPAA could mean you need to reduce how much you contribute, which may affect your long-term income.

Making pension withdrawals part of your financial plan could mean you’re well-informed and avoid unexpected complications.

5. Gifted assets could still form part of your estate and affect your Inheritance Tax liability

With a standard rate of 40%, Inheritance Tax (IHT) could significantly reduce what you leave behind for loved ones if the total value of your estate exceeds certain thresholds. So, you might simply think about handing assets to your beneficiaries during your lifetime, but gifts aren’t always immediately outside of your estate for IHT purposes.

Indeed, some gifts to individuals can be included in your estate for up to seven years after they are given, and are known as “potentially exempt transfers”. While the rate of tax applied to these gifts gradually decreases over time, it could still mean your estate faces a larger IHT bill than you or your loved ones might expect.

The good news is there are often ways to reduce your estate’s IHT liability, and ensure your beneficiaries receive a “treat”. An estate plan could help you assess how and when to pass on wealth to your family.

Contact us to talk about avoiding “tricks” in your financial plan

If you’d like to work with us to create a financial plan that helps you avoid “tricks”, please get in touch.

Please note: This blog is for general information only and does not constitute financial advice, which should be based on your individual circumstances. The information is aimed at retail clients only.

Please do not act based on anything you might read in this article. All contents are based on our understanding of HMRC legislation, which is subject to change.

A pension is a long-term investment not normally accessible until 55 (57 from April 2028). The fund value may fluctuate and can go down, which would have an impact on the level of pension benefits available. Past performance is not a reliable indicator of future performance.

The tax implications of pension withdrawals will be based on your individual circumstances. Thresholds, percentage rates, and tax legislation may change in subsequent Finance Acts. 

The Financial Conduct Authority does not regulate estate planning.

How to incubate successful ideas

An electrician holding a light bulb.
When you’re trying to solve a problem or work on something creative, you can find yourself stuck in a rut. While it can be tempting to try to craft a solution straight away, being patient could be the key to incubating successful ideas.

Indeed, a September 2025 article from the Guardian notes that one of the marvellous properties of the brain is its ability to continue working unconsciously when the conscious mind has moved on. In other words, leaving a problem to continue with your day could lead to better ideas overall.

The article explains that English psychologist Graham Wallas divided the creative process into four phases:

  1. Preparation: This is where you’d set your goals and gather knowledge.
  2. Incubation: Here, Wallas argues you need to let your unconscious mind do the work. While you’re completing tasks, your brain will be bringing together different pieces of information.
  3. Illumination: This is the “eureka” moment when your unconscious mind has come up with a solution.
  4. Verification: In this step, you take a critical look at what you’ve come up with to understand if it’ll work in practice.

One of the challenges of following this process is in the incubation step. You might feel like you need to create a solution right away, or find yourself pondering the problem and going around in circles. Although it may feel productive, stepping back can be more beneficial.

Letting your ideas incubate could lead to an initial concept turning into an idea that’s well developed.

However, it can take days or even years for the incubation process to complete, so it can be frustrating when you’ve got a deadline looming or a challenge that’s playing on your mind.

Here are some ways you can let your mind wander and improve how you incubate ideas.

1. Take part in physical activity

Studies show that activity can boost your creativity. You don’t have to plan an exhausting gym session; a walk could be just as useful. In fact, to incubate ideas, an activity you can complete without focusing on it could be perfect, as it allows your mind to drift and work through the problem.

If you can, try visiting a new environment too. Unfamiliar places can enhance divergent thinking and get you looking at challenges from a new perspective. Try varying the route of your usual walk or attend a different exercise class.

2. Schedule breaks

Whether you’re at work or are completing a project at home, segment your task into sessions of deep work and breaks. Taking a step away from work could allow you to return to a problem with fresh eyes and allow your brain to organise information, and potentially establish new connections.

Taking a break might mean you spend less time on a task, but you could be far more productive as a result.

3. Be creative

Getting creative, especially if it involves getting out of your comfort zone, could help you solve problems in a new way. So, find different creative activities that you enjoy and make them part of your routine, such as sketching nature or joining a theatre group.

4. Keep track of your ideas

Have you ever had an idea you thought was good and you wanted to pursue, only to forget what it was when you returned to it? It happens to everyone, so keep a notebook to write your ideas down as soon as possible.

Even a half-formed idea is worth noting down. Writing it down could help you articulate your thoughts and link together different pieces of information that weren’t obviously connected at first.

5. Create a network

Being around creative and interesting people can encourage new ideas and offer you a new perspective that could change the way you approach a challenge. So, creating a network could be an excellent way to turn initial thoughts into successful ideas.

A group of people you can speak to without fear of judgment can also provide valuable feedback on your ideas, which might result in them taking a different direction. So, while solitude to let your mind wander is important, balance this with meeting people to inject some fresh energy into your ideas.

£48,000 was lost to pension fraud every day in 2024

A person looking at their email on their phone.In September 2025, Action Fraud warned pension savers must remain vigilant as more than £17.5 million was lost to pension fraud in 2024 – roughly £48,000 every single day. Read on to find out how scammers could try to get their hands on your retirement savings, and the warning signs to watch out for.

While the figures reported by Action Fraud are staggering, the true scope of pension fraud could be even higher. Some victims of fraud feel embarrassed and may not report the crime as a result. In addition, many people don’t frequently check their pension, so they could have fallen victim without realising.

On average, victims of pension fraud lost more than £33,800. Falling for the scam has the potential to derail the retirement you’ve worked hard to secure. Even when fraud is reported quickly, it might be impossible to retrieve your money, so being aware of the common signs of a pension scam is important.

Action Fraud identified two prevalent ways criminals are targeting victims of pension fraud.

1. Investment fraud pressuring tactics

Scammers who engage in investment fraud often use high-pressure tactics to encourage victims to act without fully thinking about what they’re doing, and they’re using this in pension scams too.

If you’re talking to someone about your pension and they pressure you to invest, downplay the risks, or promise unrealistic returns that seem too good to be true, take a step back. Taking time to consider your options can help you spot a scam before it’s too late.

They might also seek to exploit victims who don’t understand how or when they can access their pension. For example, they might claim they can help you access your savings before you turn 55, which isn’t an option for most pensions.

Engaging with your pension and understanding how and when you can access your pension helps you spot false claims.

Pension cold calling is illegal. So, if you’re contacted out of the blue by someone purporting to be a professional, it’s likely a sign of a scam. If something doesn’t seem right, ask the person you’re speaking with for further details or a break. A genuine financial professional will understand why you’re being cautious.

You can use the Financial Conduct Authority’s Financial Services Register to check if the person you’re speaking with is regulated. Some criminals will use the details of a genuine firm or individual to lull you into a false sense of security. So, use the contact details listed on the register to double-check the information you’ve been provided.

2. Impersonation scam

Some scammers will try to access your pension by impersonating you.

To do this, they’ll need to obtain sensitive information, like your passwords or answers to security questions. Remember, your pension fund or other financial provider will not ask for these details, and it’s a clear sign you’re being targeted by a scammer.

Action Fraud advises that you ensure your online pensions are secure by using a different password for each account. The organisation suggests using three random words to create a strong and memorable password, as well as enabling two-step verification for an additional layer of protection.

Regularly checking your pension and understanding the value of your savings could mean you’re alerted to criminal activity sooner if you are targeted.

We’re here to help if you’ve been targeted by a scam

As your financial planner, we’re here to offer guidance about managing your finances, including if you’ve been targeted by a scammer. If you’re unsure about the communication you’ve received about your pension or another aspect of your financial plan, you can contact us.

You can also report potential scams to Action Fraud here: actionfraud.police.uk/

If you believe you’ve been targeted by a scam and have provided them with sensitive information, don’t hesitate to contact your bank or provider. They may be able to prevent the criminal from accessing your account or withdrawing money.

Please note: This blog is for general information only and does not constitute financial advice, which should be based on your individual circumstances. The information is aimed at retail clients only.

A pension is a long-term investment not normally accessible until 55 (57 from April 2028). The fund value may fluctuate and can go down, which would have an impact on the level of pension benefits available. Past performance is not a reliable indicator of future performance.

The tax implications of pension withdrawals will be based on your individual circumstances. Thresholds, percentage rates, and tax legislation may change in subsequent Finance Acts.