Kent
Kent
development finance.
Expert property development finance across Kent. 12 towns, 17,657 annual transactions, median price £345,375. We connect developers with competitive funding from our panel of 100+ lenders.
- Median price
- £345k
- Sales (12m)
- 17,657
- YoY change
- 0%
Kent
Property development
in Kent.
The Garden of England combines strong London commuter demand with distinct local markets in cathedral cities and coastal towns. High Speed 1 services from Ebbsfleet and Ashford have transformed travel times to London, creating premium commuter catchments. The county's diverse geography supports everything from urban apartment schemes in Medway to rural barn conversions in the Weald.
The Kent property market recorded 17,657 residential transactions over the past 12 months, with a county-wide median sale price of £345,375 - £60k above the UK average. Prices have shown stability, with a year-on-year change of 0% across the county's 12 principal towns.
New-build completions totalled 228 over the same period, representing 1.3% of total transactions. This signals an active development pipeline with proven buyer demand.
Key Development Drivers
In-depth analysis
Kent Property Market: Prices, Trends & Development Finance (2026)
5 min read · 8 sections with charts and data tables
Price analysis
Kent house prices
by property type.
Understanding price variation across property types is essential for developers assessing scheme viability. The spread between property types indicates the range of opportunities available.
| Property Type | Kent Median | UK Average | Difference |
|---|---|---|---|
| Detached | £530,000 | £420,000 | +£110k |
| Semi-detached | £363,750 | £265,000 | +£99k |
| Terraced | £292,500 | £230,000 | +£63k |
| Flat/Apartment | £186,000 | £225,000 | £-39000 |
The £344k spread between detached homes and flats creates development opportunities across the specification spectrum — from high-value family homes to accessible apartment schemes.
Town comparison
Kent town-by-town
price data.
Kent encompasses 12 principal towns with distinct market characteristics. Ranked by median price alongside transaction volume and annual price movement.
| Town | Median Price | Sales (12m) | YoY Change |
|---|---|---|---|
| Sevenoaks | £490,000 | 1,162 | +4.8% |
| Tunbridge Wells | £430,000 | 1,234 | +1.2% |
| Tonbridge | £405,000 | 1,377 | -2.4% |
| Dartford | £365,000 | 1,163 | +0.7% |
| Gravesend | £352,000 | 889 | +2% |
| Maidstone | £350,750 | 1,880 | -1.8% |
| Ashford | £340,000 | 1,388 | 0% |
| Canterbury | £330,000 | 1,538 | -2.9% |
| Folkestone | £310,000 | 1,259 | 0% |
| Chatham | £300,000 | 2,811 | 0% |
| Dover | £282,500 | 1,315 | -2.5% |
| Margate | £282,000 | 1,641 | +0.7% |
Development finance
in Kent.
Whether you're planning a ground-up residential development, converting a commercial building, or acquiring a site at auction in Kent, Construction Capital sources the optimal finance structure from our panel of 100+ lenders, funds, and family offices.
For a typical Kent development with a GDV based on detached home values of £530,000, senior development finance of £344,500 at 65% LTGDV is achievable. Mezzanine finance can stretch total borrowing to 85-90% of costs, reducing the equity requirement to as little as 10-15%.
Development finance is one route among several in Kent. We also arrange bridging loans in Kent for auction purchases, chain breaks and time-critical acquisitions, including schemes in Maidstone, with funds released in as little as 7 to 14 days.
For investors and owner-occupiers, commercial mortgages in Kent are available up to 75% LTV across office, retail, industrial and mixed-use assets. Where a scheme needs to stretch beyond senior debt, mezzanine finance and refurbishment finance complete the toolkit, all from the same Kent panel of 100+ lenders.
Development Finance
Senior debt funding for ground-up residential and commercial developments.
From 6.5% p.a.Mezzanine Finance
Stretch your capital stack beyond senior debt to reduce equity requirements.
From 12% p.a.Bridging Loans
Short-term finance for acquisitions, auction purchases and time-sensitive deals.
From 0.55% p.m.Equity & Joint Ventures
Equity partnerships and JV structures for developers seeking capital partners.
Profit share from 40%Refurbishment Finance
Funding for light and heavy refurbishment projects including conversions.
From 0.65% p.m.Commercial Mortgages
Long-term finance for commercial property acquisition and refinancing.
From 5.5% p.a.Locations in Kent
Explore Kent
town by town.
Select a town for local property finance services, market data, and recent sold prices.
Maidstone
£351k median · 1880 sales
Ashford
£340k median · 1388 sales
Canterbury
£330k median · 1538 sales
Tunbridge Wells
£430k median · 1234 sales
Chatham
£300k median · 2811 sales
Folkestone
£310k median · 1259 sales
Gravesend
£352k median · 889 sales
Dartford
£365k median · 1163 sales
Tonbridge
£405k median · 1377 sales
Dover
£283k median · 1315 sales
Sevenoaks
£490k median · 1162 sales
Margate
£282k median · 1641 sales
Common questions
Kent
— answered.
What is the average house price in Kent?
The median house price across Kent's 12 principal towns is £345,375, based on 17,657 transactions in the past 12 months. Detached homes average £530,000 and flats average £186,000.
Can I get development finance in Kent?
Yes. Construction Capital arranges development finance across Kent from 100+ lenders including banks, funds, and family offices. Typical terms: senior debt from 6.5% p.a. at 65-70% LTGDV, mezzanine to 85-90% of costs, and bridging loans completing in 5-10 days.
Which towns in Kent have the highest property prices?
The most expensive towns in Kent are Sevenoaks (£490,000), Tunbridge Wells (£430,000), Tonbridge (£405,000).
Is Kent a good area for property development?
Kent recorded 17,657 sales and 228 new-build completions in the past 12 months, with prices stable at 0% YoY. This is a deep, liquid market with strong exit confidence.
Expert guides
Further reading
on development finance.
Bank vs Specialist Development Finance: Pros, Cons and When to Use Each
7 min read readSenior Debt vs Mezzanine Finance: How They Work Together in Your Capital Stack
7 min read readDevelopment Finance for First-Time Developers: What You Need to Know
4 min read readUsing a Bridging Loan to Buy at Auction: A Step-by-Step Guide
4 min read readWhere we fund
Kent,
United Kingdom.
Ready when you are
Tell us the deal.
We’ll recommend the structure.
Submit your development finance enquiry in Kent and a partner will come back with an initial structure and indicative terms within one working day. No forms-for-forms’-sake — a short note on the scheme is enough.