Business Property Lending Monitor
How many commercial premises are changing hands, and how much new property lending companies are taking on, for every nation, region, county and town we cover. Built from HM Land Registry and Companies House records, refreshed every quarter, free to reuse.
New property-secured company borrowing by quarter
Each bar counts the charges UK companies registered at Companies House that name a property postcode. 6.4% were taken by trading businesses, the owner-occupiers a business mortgage is built for; 91.3% by property investment and development companies.
Latest quarter provisional: charges can be filed up to 21 days after they are created. Companies dissolved before the October 2026 register snapshot drop out of earlier quarters, so the oldest bars run slightly low; compare recent years like with like.
Commercial property sales and new lending by region
Sales cover England and Wales only. Lending covers the whole UK.
| Region or nation | New charges | Change | By trading businesses | Non-residential sales | Median price |
|---|---|---|---|---|---|
| London | 25,758 | +16.8% | 1,179 | 5,178 | £570k |
| North West | 24,643 | +20.7% | 1,166 | 5,891 | £250k |
| South East | 18,537 | +20.4% | 1,470 | 7,205 | £440k |
| Yorkshire and The Humber | 12,877 | +19.1% | 699 | 4,218 | £255k |
| West Midlands | 12,821 | +18.6% | 896 | 4,238 | £310k |
| East of England | 12,539 | +18.4% | 879 | 4,876 | £380k |
| East Midlands | 11,503 | +13.1% | 740 | 3,789 | £300k |
| Scotland | 10,946 | +36.9% | 977 | n/a | n/a |
| South West | 10,032 | +17.7% | 1,032 | 5,867 | £350k |
| North East | 8,670 | +20% | 330 | 2,269 | £160k |
| Wales | 6,578 | +21% | 512 | 3,108 | £245k |
| Northern Ireland | 1,033 | +12.9% | 208 | n/a | n/a |
Charges: 12 months to September 2026, change against the 12 months before. Sales: 12 months to December 2025. A charge naming properties in two regions counts once in each region, so regions sum to slightly more than the UK total.
New charges by type of lender
We classify the lender named on each charge into a type. We do not publish lender names: naming a type of lender describes the market, not a relationship with us.
New charges by borrower's trade
From the SIC codes each company files with Companies House.
Commercial and other property sales, England and Wales
Land Registry records the price of every registered sale. Type O covers commercial, mixed-use, land and other non-residential sales, so treat it as the commercial market's temperature rather than a census of business premises.
| Quarter | Sales registered | Median price |
|---|---|---|
| Q1 2023 | 12,414 | £320k |
| Q2 2023 | 11,330 | £310k |
| Q3 2023 | 11,805 | £320k |
| Q4 2023 | 12,771 | £325k |
| Q1 2024 | 11,397 | £315k |
| Q2 2024 | 12,141 | £320k |
| Q3 2024 | 12,468 | £330k |
| Q4 2024 | 14,499 | £347k |
| Q1 2025 | 12,823 | £350k |
| Q2 2025 | 11,209 | £305k |
| Q3 2025 | 11,850 | £330k |
| Q4 2025 | 10,779 | £330k |
| Q1 2026 (provisional) | 6,391 | £350k |
| Q2 2026 (provisional) | 3,893 | £315k |
| Q3 2026 (provisional) | 1,130 | £320k |
Land Registry data to 2026-08-25. Sales take weeks to months to register, so the latest quarter is incomplete. Sales under £10,000 are excluded as nominal transfers.
Download the data set
Tidy CSV files, one row per area and quarter. Free to reuse with attribution: "Business Property Lending Monitor, Business Mortgages Broker, Q3 2026", plus the source attributions in the manifest.
Contains HM Land Registry data © Crown copyright and database right 2026. Contains public sector information from Companies House. Both licensed under the Open Government Licence v3.0. Contains OS data and Royal Mail data © Crown copyright and database right 2026 (ONS postcode lookup).
- sold_quarterly.csvCommercial and other (non-residential) sales by quarter: count and median price, for England and Wales, each region and every location we cover.
- charges_quarterly.csvNew property-linked company charges by quarter for the UK, each region and every location we cover.
- lender_tier_share.csvShare of new charges by type of lender, nationally and by region.
- borrower_sector_share.csvShare of new charges by the borrower's trade (SIC 2007 groupings), nationally and by region.
- planning_12m.csvCommercial planning applications received in the last 12 months, by location and category, where we hold the council's register.
- manifest.jsonSources, licences, data dates, row counts and file checksums.
How the monitor is built
The Business Property Lending Monitor is a quarterly data set that measures commercial property activity at local level. It joins three public registers to the council areas behind each location page on this site.
Sales
We take every HM Land Registry Price Paid record with property type O, drop deleted records, duplicates and sales under £10,000, and place each sale in its council area by postcode. Medians are only shown where at least 10 sales sit behind them.
New lending
We take every charge registered at Companies House since January 2023 whose particulars name a property postcode, place it in the council areas of those postcodes, classify the lender named on it into a type, and classify the borrower by its SIC codes. Trading businesses are companies whose main activity is not property investment, letting or development.
County, council area and town figures
County pages total the council areas inside them; they never add town figures together. Where a town shares its council area with its county (most unitary authorities), we narrow the town's figures to its Royal Mail post town so the two pages do not repeat each other.
Planning
Counts of applications received in the last 12 months whose description points to commercial use: change of use, hospitality, industrial and warehouse, health and care, retail and leisure, offices. We only show a council where we hold its full register; councils outside our coverage show no planning figure.
Indicative terms
Alongside the data we publish the indicative bands we see in the market, as at October 2026: owner-occupier business mortgages 6.0 to 7.5% a year, trading businesses 7.0 to 9.0% a year, semi-commercial 6.5 to 8.5% a year, commercial remortgage 6.0 to 8.0% a year. Indicative, subject to status, accounts and valuation. See rates and costs or try the business mortgage calculator.
About the data
What is the Business Property Lending Monitor?
A quarterly data set from Business Mortgages Broker that tracks two things for every UK location we cover: how many commercial and other non-residential properties sold, and how many new charges companies registered against property. This edition is Q3 2026.
Where does the data come from?
HM Land Registry Price Paid Data (property type O, other) and the Companies House charges register, both under the Open Government Licence v3.0, plus council planning registers for application counts. Postcodes are placed in council areas with the ONS postcode lookup via postcodes.io.
Does a new charge mean a new business mortgage?
Not always. A charge is the security a lender registers at Companies House. A new property-linked charge usually means new secured lending, such as a commercial mortgage, a remortgage or a bridging loan, but it can also be security for a business overdraft or a guarantee. We count charges that name a property postcode. Companies House filings do not state loan amounts, so the monitor counts charges rather than adding up money lent.
Why are some areas missing figures?
Any figure built from fewer than 10 records is suppressed, so small areas are not over-read. Land Registry Price Paid Data covers England and Wales only, so Scottish and Northern Irish pages show lending and planning figures without sales.
Can I use the data?
Yes. The downloads are free to reuse with attribution to Business Mortgages Broker and to the upstream sources named in the manifest, under the Open Government Licence v3.0 terms for that source data.
Buying or refinancing your premises? Get indicative terms
Send us the property, the price and a picture of how the business trades. We will come back with a view on what the market is likely to offer, usually within one working day. There is no charge to enquire.
Matt Lenzie reads every enquiry himself.