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
- 201 commercial property sales worth £273.6m were registered in Surrey for completions between January and August 2026, at a median price of £515,500. Source: HM Land Registry Price Paid Data (property type Other).
- Commercial property charges registered at Companies House in Surrey were down 41.8% in H1 2026 against H1 2025 (107 vs 184). Source: Companies House charges register.
- Specialist and challenger banks were the most active classified lender group in Surrey, behind 30.1% of commercial property charges in Jan to Sep 2026. Source: Companies House charges register, CMB lender classification.
- 453 commercial property planning applications were submitted in Surrey between January and September 2026, with 80.6% of decided applications granted. Source: Local planning authority records via Landstack.
- The median commercial sale price in Surrey was 65.1% above the England and Wales median of £312,250. Source: HM Land Registry Price Paid Data.
- Surrey recorded the weakest H1 2026 change in commercial property charges of the 44 counties we track. Source: Companies House charges register.
Commercial property lending in Surrey
Lenders registered 153 commercial property charges in Surrey between January and September 2026. The first half of the year is fully filed, and H1 2026 volumes were down 41.8% on H1 2025 (107 against 184). 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.
Specialist and challenger banks accounted for 30.1% of these charges and high street banks for 24.2%. We could match 74.5% 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 Surrey from January to August 2026 were NatWest (10 charges), Together (9) and United Trust Bank (9). We compare January to August with the same months of 2025 because September 2026 filings are still arriving.
9.2% 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 1,355 charges in Surrey 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 |
|---|---|---|---|
| NatWest | 10 | 10 | 0.0% |
| Together | 9 | 19 | -52.6% |
| United Trust Bank | 9 | 12 | -25.0% |
| InterBay Funding | 8 | 9 | n/a |
| Barclays | 7 | 7 | n/a |
| Lloyds | 7 | 16 | -56.2% |
| Shawbrook Bank | 6 | 12 | -50.0% |
| Secure Trust Bank | 4 | 0 | n/a |
| LendInvest | 4 | 6 | n/a |
| Paragon Bank | 4 | 4 | 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 Surrey
HM Land Registry has registered 201 commercial property sales in Surrey with completion dates between January and August 2026, worth £273.6m in total. The median sale price was £515,500, with the middle half of deals between £262,500 and £1.2m. 57 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 £481,475 across 688 fully registered sales.
Where the registered address identifies the use, farms and rural made up 12 sales, industrial and warehouse made up 7 sales, garages and parking made up 6 sales. Most commercial titles carry only a street address, so the larger share of sales is unclassified.
82.1% of the sales were freehold.
Median sale price by quarter
| Quarter | Sales registered | Median price | Value |
|---|---|---|---|
| Q1 2026 | 125 | £665,000 | £165.2m |
| Q2 2026 | 60 | £457,750 | £89.3m |
| Q3 2026 | 16 | £395,000 | £19.2m |
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 Surrey
453 commercial property planning applications were submitted in Surrey between January and September 2026. Councils decided 361 with a granted or refused outcome in the period and granted 80.6% of them.
Quarterly submissions moved from 133 in Q3 2025 to 169 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 (78), education and childcare (67), offices (66).
A further 334 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
- Guildford · 26/P/00948Install SolaX AELIO-P50B200 Hybrid Energy Storage Cabinet at ground level local to the industrial unit to store energy from the roof mounted solar PVGranted 18 September 2026
- Spelthorne · 26/00418/FULThe expansion and comprehensive refurbishment of the existing hotel, including a single-storey building at the rear of the site, connected to the existing 'stable block', a second-floor extension to the main building, anGranted 10 September 2026
- Mole Valley · MO/2025/02579Change of use to light industrial (Use Class E(g)(iii)) and storage (Use Class B8) with external changes to building, infilling of bays with provision of a fire exit door and staircase and window on the northern elevatioGranted 28 August 2026
- Guildford · 26/P/00492Refurbishment of existing homeless shelter (Nos. 3 and 5 York Road) and change of use from residential (C3) to homeless accommodation (No.1 York Road) into a single homeless accommodation centre (Sui Generis) and ancillaGranted 27 August 2026
- Surrey Heath · 26/0471/FFUSubdivision of existing retail unit (use class E) into three units (use class E), reconfiguration of principal shopfront, and formation of new shopfront to side elevation followng the removal of the parking/servicing areGranted 12 August 2026
- Elmbridge · 2026/1412Change of use of Leighton House and associated parking area from Educational Use (Class F1(a)) to Nursery Use (Class E(f))Granted 7 August 2026
How Surrey compares with England and Wales
The median commercial sale price in Surrey of £515,500 was 65.1% above the England and Wales median of £312,250.
H1 2026 lending lagged the national market: -41.8% here against +1.8% for all commercial property charges in England and Wales.
The planning approval rate of 80.6% 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.