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
- 363 commercial property sales worth £146.1m were registered in Lancashire for completions between January and August 2026, at a median price of £226,000. Source: HM Land Registry Price Paid Data (property type Other).
- Commercial property charges registered at Companies House in Lancashire were up 6.7% in H1 2026 against H1 2025 (240 vs 225). Source: Companies House charges register.
- Bridging and short-term lenders were the most active classified lender group in Lancashire, behind 33.3% of commercial property charges in Jan to Sep 2026. Source: Companies House charges register, CMB lender classification.
- 363 commercial property planning applications were submitted in Lancashire between January and September 2026, with 87.4% of decided applications granted. Source: Local planning authority records via Landstack.
- The median commercial sale price in Lancashire was 27.6% below the England and Wales median of £312,250. Source: HM Land Registry Price Paid Data.
- Lancashire ranked 17 of 44 counties for H1 2026 growth in commercial property charges. Source: Companies House charges register.
Commercial property lending in Lancashire
Lenders registered 339 commercial property charges in Lancashire between January and September 2026. The first half of the year is fully filed, and H1 2026 volumes were up 6.7% on H1 2025 (240 against 225). 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 33.3% of these charges and high street banks for 22.7%. We could match 76.7% 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 Lancashire from January to August 2026 were Together (59 charges), Barclays (23) and NatWest (20). We compare January to August with the same months of 2025 because September 2026 filings are still arriving.
7.7% 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 2,864 charges in Lancashire 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 |
|---|---|---|---|
| Together | 59 | 64 | -7.8% |
| Barclays | 23 | 24 | -4.2% |
| NatWest | 20 | 27 | -25.9% |
| Aldermore Bank | 14 | 9 | n/a |
| Lloyds | 13 | 8 | n/a |
| Paratus AMC | 9 | 1 | n/a |
| LendInvest | 9 | 0 | n/a |
| Shawbrook Bank | 8 | 5 | n/a |
| Handelsbanken | 8 | 3 | n/a |
| Hampshire Trust Bank | 7 | 5 | 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 Lancashire
HM Land Registry has registered 363 commercial property sales in Lancashire with completion dates between January and August 2026, worth £146.1m in total. The median sale price was £226,000, with the middle half of deals between £117,500 and £415,000. 25 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 £213,666 across 1,166 fully registered sales.
Where the registered address identifies the use, industrial and warehouse made up 30 sales, farms and rural made up 26 sales, offices made up 13 sales. Most commercial titles carry only a street address, so the larger share of sales is unclassified.
73.3% of the sales were freehold.
Median sale price by quarter
| Quarter | Sales registered | Median price | Value |
|---|---|---|---|
| Q1 2026 | 205 | £222,250 | £88.2m |
| Q2 2026 | 122 | £247,000 | £47.0m |
| Q3 2026 | 36 | £190,587 | £10.9m |
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 Lancashire
363 commercial property planning applications were submitted in Lancashire between January and September 2026. Councils decided 318 with a granted or refused outcome in the period and granted 87.4% of them.
Quarterly submissions moved from 136 in Q3 2025 to 115 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 retail and food (72), industrial and logistics (70), change of use (commercial) (68).
A further 199 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
- Hyndburn · 11/26/0208Full: Change of use from storage warehouse (Use Class B8) to commercial bakery (Use Class B2) with associated external alterations, including installation of dock pods, silos, external plant, flues and vents, fencing, gaGranted 30 September 2026
- Burnley · PA/2026/0315Change of use of underground car parks and basement to data centreGranted 30 September 2026
- Preston · 06/2026/0502Conversion of 16no assisted living flats to 29no bed assisted living accommodation to form annexe extension to the existing adjoining care home (Class C2), single storey link corridor extension, three storey extension siGranted 24 September 2026
- Hyndburn · 11/26/0129Outline Application: Demolition of existing buildings and erection of replacement building containing employment units (Use Classes B2 and B8) with all matters reserved except access and layoutGranted 24 September 2026
- Blackburn with Darwen · 10/26/0444Change of use from car sales place to a mixed-use comprising of dessert eatery and a drive-thru (sui generis) together with external alterations and formation of drive-thru facility with associated worksGranted 18 September 2026
- Fylde · 26/0409CHANGE OF USE OF FORMER SUBMARINE MANUFACTURING FACILITY TO MOT TESTING STATION (USE CLASS B2) AND VEHICLE INSPECTION AND PREPARATION CENTRE (USE CLASS B8)Granted 16 September 2026
How Lancashire compares with England and Wales
The median commercial sale price in Lancashire of £226,000 was 27.6% below the England and Wales median of £312,250.
H1 2026 lending outpaced the national market: +6.7% here against +1.8% for all commercial property charges in England and Wales.
The planning approval rate of 87.4% 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.