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
- 169 commercial property sales worth £163.5m were registered in Hertfordshire for completions between January and August 2026, at a median price of £421,000. Source: HM Land Registry Price Paid Data (property type Other).
- Commercial property charges registered at Companies House in Hertfordshire were down 17.1% in H1 2026 against H1 2025 (107 vs 129). Source: Companies House charges register.
- High street banks were the most active classified lender group in Hertfordshire, behind 28.9% of commercial property charges in Jan to Sep 2026. Source: Companies House charges register, CMB lender classification.
- 233 commercial property planning applications were submitted in Hertfordshire between January and September 2026, with 81.5% of decided applications granted. Source: Local planning authority records via Landstack.
- The median commercial sale price in Hertfordshire was 34.8% above the England and Wales median of £312,250. Source: HM Land Registry Price Paid Data.
- Hertfordshire ranked 41 of 44 counties for H1 2026 growth in commercial property charges. Source: Companies House charges register.
Commercial property lending in Hertfordshire
Lenders registered 142 commercial property charges in Hertfordshire between January and September 2026. The first half of the year is fully filed, and H1 2026 volumes were down 17.1% on H1 2025 (107 against 129). 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.
High street banks accounted for 28.9% of these charges and specialist and challenger banks for 26.8%. We could match 70.4% 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 in Hertfordshire from January to August 2026 were Lloyds (12 charges), Barclays (10) and NatWest (10). 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 commercial property rather than refinancing the senior loan.
Separately, property investment companies (SIC 68) registered 1,267 charges in Hertfordshire over the same period that did not match a commercial sale. That book mixes residential buy-to-let and commercial investment, so we report it alongside rather than inside the commercial figure.
Commercial property 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 |
|---|---|---|---|
| Lloyds | 12 | 21 | -42.9% |
| Barclays | 10 | 13 | -23.1% |
| NatWest | 10 | 12 | -16.7% |
| Together | 9 | 7 | n/a |
| InterBay Funding | 7 | 7 | n/a |
| Allica Bank | 6 | 3 | n/a |
| Capital Home Loans | 3 | 0 | n/a |
| Recognise Bank | 3 | 1 | n/a |
| Aldermore Bank | 3 | 3 | n/a |
| Kensington Mortgages | 2 | 0 | n/a |
Charges registered against property, January to August of each year. Named lenders only.
Charges by borrower sector, Jan to Sep 2026
Commercial property sales and prices in Hertfordshire
HM Land Registry has registered 169 commercial property sales in Hertfordshire with completion dates between January and August 2026, worth £163.5m in total. The median sale price was £421,000, with the middle half of deals between £230,000 and £765,000. 33 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 £530,000 across 537 fully registered sales.
Where the registered address identifies the use, industrial and warehouse made up 13 sales, farms and rural made up 7 sales, pubs made up 5 sales. Most commercial titles carry only a street address, so the larger share of sales is unclassified.
82.2% of the sales were freehold.
Median sale price by quarter
| Quarter | Sales registered | Median price | Value |
|---|---|---|---|
| Q1 2026 | 99 | £420,000 | £76.1m |
| Q2 2026 | 52 | £373,000 | £72.1m |
| Q3 2026 | 18 | £567,500 | £15.2m |
Completions by quarter, as registered so far. Source: HM Land Registry Price Paid Data.
Local authorities with the most commercial sales
Commercial planning pipeline in Hertfordshire
233 commercial property planning applications were submitted in Hertfordshire between January and September 2026. Councils decided 227 with a granted or refused outcome in the period and granted 81.5% of them.
Quarterly submissions moved from 105 in Q3 2025 to 66 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.
By use, the largest groups were offices (42), change of use (commercial) (34), industrial and logistics (34).
A further 205 applications sought to convert commercial space to residential use. We exclude these from the commercial pipeline because they remove stock rather than add it.
Applications submitted by quarter
Source: local planning authority records via Landstack.
Applications by commercial use, Jan to Sep 2026
Recent approvals
- Dacorum · 25/01674/RESReserved Matters Application pursuant to Conditions: 1, 2, 3 and 7 of Planning Permission 4/02539/16/MOA (matters relating to Access, Appearance, Landscaping, Layout and Scale) for Outline planning application to includeGranted 28 September 2026
- Welwyn Hatfield · 6/2025/0321/MAJDetailed Planning Application for redevelopment of the former Shredded Wheat Factory site to include for demolition of some existing structures (including some Grade II Listed Buildings), and the provision of townhousesGranted 23 September 2026
- Hertsmere · 26/0248/FULChange of use from existing warehouse (Use Class B8) to provision of medical or health services (Use Class E) and erection of cycle storage.Granted 15 September 2026
- St Albans · 5/2026/0819Change of use from Use Class F1 (place of worship) to Use Class E(f) (children's day nursery), replacement of external wall cladding, replacement of windows and installation of frosted glass to lower windows and doors, cGranted 8 September 2026
- Hertsmere · 26/0768/FULChange of use from Agricultural to B2 (General Industrial) and Class B8 (Storage or Distribution) of Unit 65, Coursers Farm, London Colney.Granted 3 September 2026
- Dacorum · 25/02787/MFADemolition of existing two office buildings and construction of an employment building (Class E(g)(iii), B2 and B8) including access, landscaping, drainage and car parkingGranted 27 August 2026
How Hertfordshire compares with England and Wales
The median commercial sale price in Hertfordshire of £421,000 was 34.8% above the England and Wales median of £312,250.
H1 2026 lending lagged the national market: -17.1% here against +1.8% for all commercial property charges in England and Wales.
The planning approval rate of 81.5% compares with 86.9% for commercial applications nationally.
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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.
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.