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
- Serviced accommodation charges registered at Companies House across England and Wales were up 27.5% in H1 2026 against H1 2025 (190 vs 149). Source: Companies House charges register.
- Specialist and challenger banks were the most active classified lender group across England and Wales, behind 30.3% of serviced accommodation charges in Jan to Sep 2026. Source: Companies House charges register, CMB lender classification.
- 825 serviced accommodation planning applications were submitted across England and Wales between January and September 2026, with 79.4% of decided applications granted. Source: Local planning authority records via Landstack.
- Serviced accommodation recorded the strongest H1 2026 growth in secured lending of the 10 sectors we track. Source: Companies House charges register.
Serviced accommodation lending Jan to Sep 2026
Lenders registered 274 serviced accommodation charges across England and Wales between January and September 2026. The first half of the year is fully filed, and H1 2026 volumes were up 27.5% on H1 2025 (190 against 149). 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 30.3% of these charges and bridging and short-term lenders for 23.7%. We could match 59.1% 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 across England and Wales from January to August 2026 were Together (37 charges), Vida Homeloans (16) and Paragon Bank (9). We compare January to August with the same months of 2025 because September 2026 filings are still arriving.
6.6% 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 serviced accommodation rather than refinancing the senior loan.
Serviced accommodation 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 | 37 | 33 | +12.1% |
| Vida Homeloans | 16 | 0 | n/a |
| Paragon Bank | 9 | 5 | n/a |
| Capital Home Loans | 8 | 2 | n/a |
| Hampshire Trust Bank | 7 | 7 | n/a |
| Barclays | 5 | 2 | n/a |
| LendInvest | 5 | 5 | n/a |
| Handelsbanken | 4 | 3 | n/a |
| Landbay | 4 | 1 | n/a |
| Aldermore Bank | 4 | 6 | n/a |
Charges registered against property, January to August of each year. Named lenders only.
Serviced accommodation planning pipeline
825 serviced accommodation planning applications were submitted across England and Wales between January and September 2026. Councils decided 786 with a granted or refused outcome in the period and granted 79.4% of them.
Quarterly submissions moved from 311 in Q3 2025 to 238 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.
Applications submitted by quarter
Source: local planning authority records via Landstack.
Recent approvals
- East Riding of Yorkshire Council · 26/01916/PLFChange of use from holiday let to dwellingGranted 30 September 2026
- Hull · 26/00335/FULL1. Change of use from Class C1 hotel/serviced apartments, to mixed use Class C1 hotel/serviced apartments and gym (Class E) for use by guests and the public.2. Formation of first floor roof terrace with composite deckingGranted 29 September 2026
- Cornwall · PA26/05189Use of semi-detached farmhouse from residential to full time holiday let.Granted 29 September 2026
- Cheshire West and Chester Council · 26/00210/FULChange of use from Class E (Office use) to Class C1 (Aparthotel)Granted 24 September 2026
- Cumberland · 26/0441Change Of Use From House Of Multiple Occupancy (HMO) To 8 Bedroom Property For Short Term Let (Part Retrospective)Granted 23 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
Serviced accommodation against the wider commercial market
H1 2026 lending outpaced the national market: +27.5% here against +1.8% for all commercial property charges in England and Wales.
The planning approval rate of 79.4% compares with 86.9% for commercial applications nationally.
Financing serviced accommodation property
For lender criteria, typical terms and case examples on serviced accommodation finance, see Serviced Accommodation Finance, our specialist resource for this sector.
Regional breakdown
| Region | Charges | Applications |
|---|---|---|
| London & South East | 29 | 146 |
| Midlands | 45 | 126 |
| North East & Yorkshire | 47 | 144 |
| South West | 62 | 173 |
| North West | 38 | 108 |
| East of England | 18 | 91 |
| Wales | 35 | 37 |
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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.
Sector identification: a sale or charge is included when its address or charge particulars name the use, or when the borrower's SIC code places it in the sector. Planning applications are included when the description names the use. Sections with too few records to be reliable are not shown.
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.