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
- 70 commercial property sales worth £228.3m were registered in Manchester for completions between January and August 2026, at a median price of £375,000. Source: HM Land Registry Price Paid Data (property type Other).
- Commercial property charges registered at Companies House in Manchester were up 13.8% in H1 2026 against H1 2025 (66 vs 58). Source: Companies House charges register.
- Specialist and challenger banks were the most active classified lender group in Manchester, behind 31.7% of commercial property charges in Jan to Sep 2026. Source: Companies House charges register, CMB lender classification.
- 163 commercial property planning applications were submitted in Manchester between January and September 2026, with 78.8% of decided applications granted. Source: Local planning authority records via Landstack.
- The median commercial sale price in Manchester was 20.1% above the England and Wales median of £312,250. Source: HM Land Registry Price Paid Data.
- Manchester ranked 8 of 14 major cities for H1 2026 growth in commercial property charges. Source: Companies House charges register.
Commercial property lending in Manchester
Lenders registered 101 commercial property charges in Manchester between January and September 2026. The first half of the year is fully filed, and H1 2026 volumes were up 13.8% on H1 2025 (66 against 58). 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 31.7% of these charges and bridging and short-term lenders for 28.7%. We could match 74.3% 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 Manchester from January to August 2026 were Together (10 charges), Aldermore Bank (7) and Charles Street (6). We compare January to August with the same months of 2025 because September 2026 filings are still arriving.
10.9% 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 1,748 charges in Manchester 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 | 10 | 11 | -9.1% |
| Aldermore Bank | 7 | 6 | n/a |
| Charles Street | 6 | 5 | n/a |
| Paratus AMC | 4 | 3 | n/a |
| The Mortgage Works | 4 | 2 | n/a |
| Shawbrook Bank | 4 | 6 | n/a |
| Lendco | 4 | 0 | n/a |
| HSBC | 3 | 0 | n/a |
| Paragon Bank | 3 | 8 | n/a |
| NatWest | 3 | 7 | 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 Manchester
HM Land Registry has registered 70 commercial property sales in Manchester with completion dates between January and August 2026, worth £228.3m in total. The median sale price was £375,000, with the middle half of deals between £175,000 and £775,000. 15 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 £320,000 across 226 fully registered sales.
58.6% of the sales were freehold.
Median sale price by quarter
| Quarter | Sales registered | Median price | Value |
|---|---|---|---|
| Q1 2026 | 34 | £375,000 | £174.0m |
| Q2 2026 | 28 | £367,500 | £49.3m |
| Q3 2026 | 8 | £425,000 | £5.1m |
Completions by quarter, as registered so far. Source: HM Land Registry Price Paid Data.
Commercial planning pipeline in Manchester
163 commercial property planning applications were submitted in Manchester between January and September 2026. Councils decided 151 with a granted or refused outcome in the period and granted 78.8% of them.
Quarterly submissions moved from 57 in Q3 2025 to 46 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 (42), care and health (32), offices (25).
A further 47 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
- Manchester · PLA-2026-000096Change of use of warehouse (Class B8) to form indoor sports facility consisting of six padel courts (Class E) with associated car parking.Granted 14 September 2026
- Manchester · PLA-2026-000657Change of use of basement, part ground and all upper floors from gymnasium, restaurant and office use (Use Class E) to hotel (Use Class C1) together with the erection of a two storey extension, external alterations and oGranted 10 September 2026
How Manchester compares with England and Wales
The median commercial sale price in Manchester of £375,000 was 20.1% above the England and Wales median of £312,250.
H1 2026 lending outpaced the national market: +13.8% here against +1.8% for all commercial property charges in England and Wales.
The planning approval rate of 78.8% compares with 86.9% for commercial applications nationally.
Join our newsletter to receive the next Manchester report
We publish fresh commercial property lending, sales and planning data every quarter. Our newsletter brings each new report to your inbox, with the headline figures for your area and sector.
Cite and download
Journalists, researchers and analysts are welcome to use these figures. Please credit Commercial Mortgages Broker and link to this page.
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.