Development exit report · Q3 2026

Middlesbrough Development Exit Report, Q3 2026

Who is lending to developers in Middlesbrough, how many schemes are exiting their development loans, and how quickly new homes are selling. Built from Companies House charges, Land Registry sales and council planning data.

17
New development charges, 12 months to September 2026 (-32%)
6
Development loans filed as repaid, same 12 months
59.0%
Live development book over 24 months old (61.3% nationally)
159
New-build sales, latest settled 12 months (-32.9%)
Published by DevExit Data updated November 2026
In short

The biggest move in Middlesbrough over the year to September 2026: development loans filed as repaid dropped 62.5% to 6. Next largest, registered new-build sales dropped 32.9% to 159 over the latest settled year. Loan age matters for exits: 59.0% of Middlesbrough's live development charges passed the two-year mark by September 2026 (national 61.3%). Planning data for Middlesbrough is not yet in our scrape.

Middlesbrough is a small market on the charge register (fewer than 30 new development charges in the year), so percentages built on those charges are suppressed. The counts are published as they stand.

Scorecard

Middlesbrough at a glance

How each signal moved over the year, measured the same way for every location we report on.

SignalMiddlesbroughChangeBasisDirection
New development charges17-32%12 months to September 2026 vs the 12 months beforeDown
Development charges satisfied (exits filed)6-62.5%12 months to September 2026 vs the 12 months beforeDown
Exit-type lending to developers4n/abridging, specialist-bank and private-credit charges on development companiesNot published
Live development book over 24 months old59.0%-2.3 ptsat 30 September 2026, compared with 61.3% across England and WalesBelow national
New-build sales registered159-32.9%settled 12 months (registration lag allowed for) vs the 12 months beforeDown
New developer and property companies113-17.5%SIC 41100, 41202, 68100 by registered office; live register onlyDown
Companies House · development lending

Development lending and exits in Middlesbrough

Development lenders registered 17 new charges against sites and developers in Middlesbrough in the 12 months to September 2026, against 25 in the 12 months before (-32%). Those charges were taken by 8 separate borrowing companies.

On the other side of the ledger, 6 development loans were filed as repaid. The sample is too small to express as a ratio.

A charge is the security a lender registers at Companies House. It shows that a loan was taken and when it was repaid (satisfied), not how much was lent. A quarter-end is provisional until 30 days after the data cut-off, because filings arrive late.

Middlesbrough: development charges registered and satisfied by quarter, 2022 Q1 to 2026 Q3
New development chargesSatisfied (loan repaid)
05101520New development charges, 2022 Q1: 4Satisfied, 2022 Q1: 02022New development charges, 2022 Q2: 0Satisfied, 2022 Q2: 0New development charges, 2022 Q3: 4Satisfied, 2022 Q3: 2New development charges, 2022 Q4: 1Satisfied, 2022 Q4: 1New development charges, 2023 Q1: 4Satisfied, 2023 Q1: 02023New development charges, 2023 Q2: 1Satisfied, 2023 Q2: 0New development charges, 2023 Q3: 6Satisfied, 2023 Q3: 2New development charges, 2023 Q4: 9Satisfied, 2023 Q4: 0New development charges, 2024 Q1: 6Satisfied, 2024 Q1: 12024New development charges, 2024 Q2: 8Satisfied, 2024 Q2: 5New development charges, 2024 Q3: 4Satisfied, 2024 Q3: 3New development charges, 2024 Q4: 7Satisfied, 2024 Q4: 7New development charges, 2025 Q1: 4Satisfied, 2025 Q1: 22025New development charges, 2025 Q2: 7Satisfied, 2025 Q2: 7New development charges, 2025 Q3: 7Satisfied, 2025 Q3: 0New development charges, 2025 Q4: 6Satisfied, 2025 Q4: 2New development charges, 2026 Q1: 7Satisfied, 2026 Q1: 02026New development charges, 2026 Q2: 0Satisfied, 2026 Q2: 4New development charges, 2026 Q3: 4Satisfied, 2026 Q3: 0

Companies House charge register, Construction Capital analysis

Companies House · exit-type lending

Bridging and specialist lending to Middlesbrough developers

Bridging lenders, specialist banks and funds took 4 charges over Middlesbrough development companies in the year to September 2026 (n/a on the 9 of the year before).

By lender type, bridging lenders led with 4. Q3 2026 on its own: 0 (Q3 2025: 5).

Exit-type lending counts charges registered by bridging lenders, specialist banks and private credit funds against companies whose registered business is developing buildings (SIC 41100 or 41202). It is the market that refinances development debt at completion and funds the sales period.

Middlesbrough: exit-type lending to developers bridging, specialist-bank and private-credit charges on development companies, rolling four quarters
051015202022 Q42023 Q42024 Q42025 Q42026 Q3Exit-type charges, rolling 4Q, 2022 Q4: 0Exit-type charges, rolling 4Q, 2023 Q1: 2Exit-type charges, rolling 4Q, 2023 Q2: 2Exit-type charges, rolling 4Q, 2023 Q3: 4Exit-type charges, rolling 4Q, 2023 Q4: 8Exit-type charges, rolling 4Q, 2024 Q1: 8Exit-type charges, rolling 4Q, 2024 Q2: 11Exit-type charges, rolling 4Q, 2024 Q3: 10Exit-type charges, rolling 4Q, 2024 Q4: 7Exit-type charges, rolling 4Q, 2025 Q1: 5Exit-type charges, rolling 4Q, 2025 Q2: 5Exit-type charges, rolling 4Q, 2025 Q3: 9Exit-type charges, rolling 4Q, 2025 Q4: 8Exit-type charges, rolling 4Q, 2026 Q1: 12Exit-type charges, rolling 4Q, 2026 Q2: 9Exit-type charges, rolling 4Q, 2026 Q3: 4Charges 4

Companies House charge register, Construction Capital analysis

Companies House · lender categories

Who is lending in Middlesbrough

Specialist money (bridging, specialist banks, development lenders and funds) accounted for 89.6% of matched property charges in Middlesbrough, compared with 87.5% for England and Wales. Little different from the national picture.

Lenders are grouped by category from the Construction Capital lender register and never named.

Who holds the charges: lender categories share of register-matched property charges, 12 months to September 2026
Specialist and challenger banksBridging lendersHigh-street banksDevelopment lenders, funds and other
MiddlesbroughMiddlesbrough, Specialist and challenger banks: 60.9%61%Middlesbrough, Bridging lenders: 28.6%29%Middlesbrough, High-street banks: 10.4%10%E and WE and W, Specialist and challenger banks: 60.0%60%E and W, Bridging lenders: 27.1%27%E and W, High-street banks: 12.5%13%E and W, Development lenders, funds and other: 0.5%

Companies House charge register, Construction Capital analysis

Land Registry · sales

How quickly new homes are selling

New-build completions registered in Middlesbrough came to 159 over the latest settled year (to September 2025), down 32.9% from 237. A new-build share of 8.8%; England and Wales ran at 8.1%.

Buyers paid 69.6% more for a new house, on median prices.

All residential sales totalled 1,555 in the settled 12 months to April 2026 (-17.4% on the year before).

Land Registry registers new-build plot sales up to a year after completion, so new-build figures use the latest settled 12 months. Prices are transaction-sample medians, not a like-for-like index.

Middlesbrough: new-build sales registered by half-year; faded bars sit inside the registration lag and will rise
0100200300400New-build sales, 2022 H1: 2312022 H1New-build sales, 2022 H2: 1872022 H2New-build sales, 2023 H1: 1082023 H1New-build sales, 2023 H2: 1132023 H2New-build sales, 2024 H1: 1242024 H1New-build sales, 2024 H2: 1182024 H2New-build sales, 2025 H1: 712025 H1New-build sales, 2025 H2: 42 (censored by registration lag)2025 H2New-build sales, 2026 H1: 3 (censored by registration lag)2026 H1

HM Land Registry Price Paid Data, Construction Capital analysis

Planning · pipeline

The next wave of schemes needing an exit

We do not yet scrape the planning portal for Middlesbrough, so this report carries no planning pipeline figures rather than estimates.

Residential applications from council planning portals over each council's latest 12-month window. Unit counts are only stated on some applications, so unit totals are a floor.

Companies House · registrations

New developer companies

New single-purpose companies are where most schemes start. Middlesbrough added 113 in the year to September 2026, down 17.5% on the prior year, 55 of them developers.

Year on year: 32 in the third quarter of 2026, 34 a year before.

Companies registered with SIC 41100, 41202 or 68100, placed by registered office. The register lists live companies only, so earlier periods lose companies since dissolved.

Benchmark

Middlesbrough against England and Wales

MeasureMiddlesbroughChangeEngland and WalesChange
New development charges, 12 months17-32%9,562+11.3%
Development charges satisfied, 12 months6-62.5%3,908+21.2%
Live development book at 30 September 202610042,944
Share of live book over 24 months old59.0%61.3%
Exit-type lending to developers, 12 months4n/a5,002-0.4%
New-build sales, settled 12 months159-32.9%67,091-7.1%
New-build share of sales, settled 12 months8.8%8.1%
New developer and property companies, 12 months113-17.5%58,644-5.1%
What it means

What this means for developers exiting in Middlesbrough

Up: none. Down: new development lending, loan repayments, new-build sales, new companies.

A younger book means fewer schemes in distress, but a wave of completions to come. Lining up exit terms before practical completion keeps options open.

Slower new-build sales stretch the time between completion and the last sale, which is the gap exit finance is designed to cover.

Terms depend on the scheme, the sales evidence and the developer, and no finance is guaranteed. We are a finance broker, not a lender. Development exit finance for companies is unregulated lending.

Read how a development exit loan is sized, or compare the national picture in the Development Exit Demand Tracker.

Methodology and sources

Companies House charges (security instruments, not loans: no amounts, LTVs or rates). Development lending = charges held by specialist development lenders, or by development-active mixed lenders where the borrower carries SIC 41100/41202, the charge wording names development land or a site, or the borrower is a newly incorporated (within 12 months) SIC 68100 company with no buy-to-let SIC (the same rule as the national Development Exit Demand Tracker). Exit-type lending to developers = charges registered by bridging, specialist-bank and private-credit (funder) lenders against companies carrying SIC 41100/41202. A charge is placed by its charged-property postcode, or failing that the borrower's registered office. 'Satisfied' is the filed repayment of a charge: the exit. Exit refinance events are new charges registered on the same title after a specialist development lender's charge was repaid or released (charge stacks, same-group and same-company pairs excluded). Satisfactions are filed late, so a quarter-end stays provisional until 30 days after the data cut-off. Lender categories come from the Construction Capital lender register; lenders are never named.

Land Registry registers new-build plot sales up to a year after completion, so new-build counts, shares and premiums are read only over the settled 12 months ending a year before the data vintage (settled12m) and compared with the 12 months before that. New-build figures in the most recent windows are incomplete and are not used for any headline. HMLR Price Paid, standard (category A) residential sales (detached, semi, terraced, flat) in the location's local authorities. New-build premium compares the median new-build price with the median existing-stock price within flats and within houses; it is a transaction-sample median, not a constant-quality index. Registrations lag completions by weeks to months, so the most recent months (and new-build plots especially) understate final counts; trailing-12-month figures are the steadier read.

Residential planning applications (new build, conversion, prior approval, mixed use, HMO, demolition and rebuild) from the Construction Capital council-portal scrapes, one record set per authority, over each council's rolling 12-month scrape window. Unit counts are stated only on some applications, so totals undercount. Councils not yet scraped are listed as missing, never estimated.

New companies with SIC 41100, 41202 or 68100 by registered-office postcode. The register snapshot holds live companies only, so earlier windows lose companies since dissolved; read year-on-year change as indicative.

Data vintage: charges registered to 2026-10-30, satisfactions filed to 2026-11-02, company register snapshot 2026-11-01, Land Registry transactions to 2026-09-30. Area covered: Middlesbrough (local authority boundaries). Minimum sample 30. 23 cuts suppressed for sample size.

Sources: Companies House charge register, Construction Capital analysis; HM Land Registry Price Paid Data, Construction Capital analysis; Council planning portals, Construction Capital planning scrape. Contains HM Land Registry data © Crown copyright and database right 2026, licensed under the Open Government Licence v3.0. Companies House data is public and reused under the Open Government Licence.

You are welcome to cite or chart these figures with a link to this page.

FAQ

Development exit in Middlesbrough: common questions

How many developers borrowed in Middlesbrough last year?

8 development companies registered 17 charges to development lenders in the 12 months to September 2026, and 6 development loans were filed as repaid over the same period.

How many Middlesbrough schemes are past a normal development term?

Measured by charge age, 59.0% of the live development book in Middlesbrough was older than 24 months at 30 September 2026. The national figure was 61.3%.

What is development exit finance?

A short-term loan taken at or near practical completion. It repays the development lender and funds the sales or letting period, often at a lower rate than the development loan it replaces, and can release equity for the next scheme. Our development exit finance page covers how it is sized and priced.

Where does this data come from?

Companies House charges and company registrations, HM Land Registry Price Paid Data and council planning portals, all analysed by Construction Capital. Figures below the minimum sample of 30 are suppressed, and lenders are grouped into categories rather than named.

Completing a scheme in Middlesbrough?

Send us the scheme, the current facility and the sales position and we will give a view on the exit options and indicative terms.