Development Lending Monitor, Midlands: Q3 2026 Review (Provisional)

Provisional. Lenders have 21 days to file a charge at Companies House, and this edition uses the company snapshot of 1 October 2026, so charges created late in Q3 2026 and filed afterwards are not yet counted. Figures for the final weeks of the period will rise when the next snapshot is applied, and a final edition will follow at a new address; this page will not be revised in place.

Lenders in the wider short-term property-funding ecosystem (bridging, BTL and development-active banks) took security over Midlands property in 1,904 new facilities during Q3 2026, 15.3% of all regionally-attributable lending events nationally. This edition has no regional cut of the specialist development series, so these are ecosystem counts rather than development lending alone.

Activity in Q3 2026 was down 9.5% on Q3 2025 (2,103); Q3 2025 had been up 12.6% on Q3 2024 (1,868), so activity has turned down after last year's rise, on provisional figures that will rise as late filings arrive. Q3 2026 at 1,904 was below both Q1 2026 (2,298) and Q2 2026 (2,226). These figures are provisional: charges created late in Q3 2026 are still being filed, so the latest quarter will rise. Quarterly pattern for the period: 1,904 in Q3 2026.

For context, the region's sold-property market recorded 136,961 transactions across 10 counties in the 12 months to 30 June 2026, at a median £242,000 (-0.9% year on year). A count of lending events and a price change are different measures and are shown side by side, not as a ratio.

County-level lending cuts are not available in this edition; the charge data is attributed to region only. What follows is the sold market the lending sits on top of, from HM Land Registry.

West Midlands (150 residential planning approvals, 56% approval rate) and Lincolnshire (109 residential planning approvals, 77% approval rate) saw the most planning consents in the region over the last 12 months. Across the region 5,020 new-build sales have registered so far for the period; Land Registry registrations lag completions by 6 to 18 months. Full county breakdown: Midlands property market overview.

Lenders in the wider ecosystem took security over Midlands property at a rate of roughly 75 facilities a week through Q3 2026. Pricing and leverage still vary widely between lenders, which is exactly where whole-of-market advice earns its keep.

Construction Capital arranges development finance, bridging and development exit facilities across the lenders behind these numbers. To discuss a scheme, call +44 20 3816 3693 or start with the deal room.

Built from every Companies House charge registered by lenders in the wider short-term property-funding ecosystem, attributed to the charged property's postcode rather than the borrower's registered office (most SPVs are registered at an accountant's or solicitor's address, often in London, which otherwise badly overstates the capital). 81% of facilities are locatable this way. No regional cut of the specialist development series is published in this edition. Charge data runs to 2026-10-02. Companies House records no loan values, so activity is measured in charge counts. Full methodology.

Sold-market context is read from the Midlands property market overview (edition dated 2026-10-03), HM Land Registry data to 2026-08-28. This edition was generated on 2026-10-03; if the overview has been regenerated since, its figures may differ from those quoted here.