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
- Warehouse and logistics charges registered at Companies House across England and Wales were up 17.5% in H1 2026 against H1 2025 (121 vs 103). Source: Companies House charges register.
- High street banks were the most active classified lender group across England and Wales, behind 24.7% of warehouse and logistics charges in Jan to Sep 2026. Source: Companies House charges register, CMB lender classification.
- 2,644 warehouse and logistics planning applications were submitted across England and Wales between January and September 2026, with 88.5% of decided applications granted. Source: Local planning authority records via Landstack.
- Warehouses and logistics ranked 4 of 10 sectors for H1 2026 growth in secured lending. Source: Companies House charges register.
Warehouses and logistics lending Jan to Sep 2026
Lenders registered 170 warehouse and logistics 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 17.5% on H1 2025 (121 against 103). 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 24.7% of these charges and specialist and challenger banks for 22.9%. We could match 69.4% 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 across England and Wales from January to August 2026 were Together (20 charges), Barclays (12) and NatWest (11). We compare January to August with the same months of 2025 because September 2026 filings are still arriving.
9.4% 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 warehouse and logistics rather than refinancing the senior loan.
Warehouse and logistics 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 | 20 | 15 | +33.3% |
| Barclays | 12 | 5 | n/a |
| NatWest | 11 | 7 | n/a |
| Lloyds | 7 | 11 | -36.4% |
| Shawbrook Bank | 5 | 3 | n/a |
| Aldermore Bank | 5 | 5 | n/a |
| Handelsbanken | 4 | 4 | n/a |
| Mount Street Group | 4 | 3 | n/a |
| InterBay Funding | 3 | 1 | n/a |
| Allica Bank | 3 | 7 | n/a |
Charges registered against property, January to August of each year. Named lenders only.
Warehouses and logistics planning pipeline
2,644 warehouse and logistics planning applications were submitted across England and Wales between January and September 2026. Councils decided 2,330 with a granted or refused outcome in the period and granted 88.5% of them.
Quarterly submissions moved from 908 in Q3 2025 to 749 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
- Medway · MC/25/2241Demolition of Deangate Greenkeepers warehouse and replacement with shipping containersGranted 30 September 2026
- 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
- Southwark · 25/AP/2214Change of use of 7no. railway arches from sui generis use [car park] to use class B8 [storage or distribution] and/or use class E(g)(iii) [light industrial] and associated external alteration works including installationGranted 30 September 2026
- Bedford · 26/00173/MAFChange of Use to storage and distribution (use class B8) including laying of hard standing and access roads.Granted 29 September 2026
- Westmorland and Furness · 2026/0397/FPAConstruction of 7 commercial units for use classes B2, B8 and E(g), including access and associated works.Granted 29 September 2026
- Luton · 26/00253/FULErection of three-storey residential building comprising 7 flats (5 x two-bedroom and (2 x one-bedroom) flats with associated landscaping after demolition of the existing industrial warehouse building.Granted 28 September 2026
Warehouses and logistics against the wider commercial market
H1 2026 lending outpaced the national market: +17.5% here against +1.8% for all commercial property charges in England and Wales.
The planning approval rate of 88.5% compares with 86.9% for commercial applications nationally.
Financing warehouse and logistics property
For lender criteria, typical terms and case examples on warehouse property finance, see Warehouse Property Finance, our specialist resource for this sector.
Regional breakdown
| Region | Charges | Applications |
|---|---|---|
| London & South East | 44 | 1,161 |
| Midlands | 28 | 472 |
| North East & Yorkshire | 12 | 223 |
| South West | 29 | 229 |
| North West | 21 | 238 |
| East of England | 27 | 283 |
| Wales | 9 | 38 |
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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.