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Chatham
development finance.

Expert property development finance in Chatham, Kent. Median price £300,000, 2,811 annual sales. We connect developers with competitive funding from 100+ lenders.

Start a Chatham dealOr call +44 20 3816 3693
Median price
£300k
Sales (12m)
2,811
YoY change
0%
Canterbury Cathedral against a cloudy sky

Chatham, Kent

Property finance
in Chatham.

Chatham - medway waterfront regeneration with the Historic Dockyard area attracting conversion schemes. With a median property price of £300,000 and 2,811 transactions in the last twelve months, Chatham represents a active market.

Detached homes command a median of £480,000 while flats average £174,500, reflecting the breadth of Chatham's residential market. New-build activity is notable, with 23 new-build transactions recorded over the past year - a signal of active development demand.

Whether you need development finance for a ground-up scheme, bridging finance to secure a site at auction, or mezzanine finance to stretch your capital stack, our brokers arrange the full range of property finance across Chatham and the wider Kent area. Each deal is structured around your specific project, with terms negotiated from our panel of over 100 lenders.

Chatham Property Market ReportKent County Market Report

The capital stack

Seven funding routes for
every Chatham scheme.

Senior debt, mezzanine, bridging, equity, refurbishment, commercial mortgages and exit finance — arranged for Chatham developers on the deal, not the product sheet.

Development Finance

Senior debt funding for ground-up residential and commercial developments.

From 6.5% p.a.Up to 65-70% LTGDV
Development Finance in Chatham

Mezzanine Finance

Stretch your capital stack beyond senior debt to reduce equity requirements.

From 12% p.a.Up to 85-90% LTGDV
Mezzanine Finance in Chatham

Bridging Loans

Short-term finance for acquisitions, auction purchases and time-sensitive deals.

From 0.55% p.m.Up to 75% LTV
Bridging Loans in Chatham

Equity & Joint Ventures

Equity partnerships and JV structures for developers seeking capital partners.

Profit share from 40%Up to 100% of costs
Equity & Joint Ventures in Chatham

Refurbishment Finance

Funding for light and heavy refurbishment projects including conversions.

From 0.65% p.m.Up to 75% LTV
Refurbishment Finance in Chatham

Commercial Mortgages

Long-term finance for commercial property acquisition and refinancing.

From 5.5% p.a.Up to 75% LTV
Commercial Mortgages in Chatham

Development Exit Finance

Short-term funding to repay development finance while you sell completed units.

From 0.55% p.m.Up to 75% LTV
Development Exit Finance in Chatham

Live market data

Chatham
market snapshot.

HM Land Registry sold-price data for Chatham over the last twelve months, cross-referenced with local planning pipeline. Updated weekly.

Median price
£300,000
Sales (12m)
2,811
YoY change
+0%
Approved (12m)
0
Pipeline units
616
Pipeline GDV
£174.5M

Chatham development appraisal

Model the numbers
for your scheme.

Pre-populated with Chatham median prices and typical senior-debt pricing. Adjust the inputs to match your deal and we will hand the working assumptions through to the Deal Room.

Scheme Inputs

Pre-populated with Chatham median prices. Adjust to match your scheme.

£
£
£
%

Assumes 10% professional fees, 10% contingency, 65% LTGDV senior debt, 18-month term. Full calculator →

Capital Structure

Total Cost£1,533,000
Senior Debt (65% LTGDV)£1,365,000
Equity Required£168,000
Interest (18m)£153,563
Profit on Cost24.5%
Senior Debt£1,365,000
Equity£168,000
Get Terms for This Scheme

Land Registry data

Recent property sales
in Chatham.

2,811 residential transactions in the last twelve months. Median sold price £300,000. 23 new-build transactions with a +91.7% premium over existing stock.

Detached

£480,000

Semi-Detached

£350,000

Terraced

£270,500

Flat

£174,500

DateAddressTypePrice
24 Apr 20268, RUSH CLOSEME5 8ASSemi-Detached£310,000
24 Apr 20269, THE EVERGLADESME7 3PYSemi-Detached£375,000
24 Apr 202617, SANDOWN DRIVEME8 9DTSemi-Detached£430,000
24 Apr 202618, PRESTON WAYME8 6UPSemi-Detached£290,000
24 Apr 202627, FLACK GARDENSME3 9AXFlat£187,000
24 Apr 202620, HATHAWAY COURTME1 1QXFlat£255,000
23 Apr 202666, KINGSWOOD ROADME7 1DXTerraced£275,000
21 Apr 202632, FORT PITT STREETME4 6TAFlat£136,000
20 Apr 202617, CHALKY BANK ROADME8 7NNSemi-Detached£410,000
20 Apr 202636, BRISSENDEN CLOSEME2 4XWTerraced£325,000

Planning pipeline

Planning activity
in Chatham.

0 approved (12m)
·
16 pending
·616 units in pipeline·£174.5M estimated GDV·0% approval rate

Current Applications

RefProposalUnitsEst. GDVStatus
MC/26/1149

Change of use from Class C3 dwellinghouse to class C4 6 person HMO with supporti…

53 Shakespeare Road Gillingham Medway ME7 5QL

1£300,000Pending
MC/26/1125

Town and Country Planning Act (Environmental Impact Assessment) (England and Wal…

Land West Of The A228 And Holborough Lakes Snodland, North Of Whytedyke Road And South Of Footpath RS218 Leading From Peter's BrIdge Roundabout

--Pending
MC/26/1126

Town and Country Planning Act (Environmental Impact Assessment) (England and Wal…

Land West Of The A228 And Holborough Lakes Snodland, North Of Whytedyke Road And South Of Footpath RS218 Leading From Peter's BrIdge Roundabout

--Pending
MC/26/1114

Details pursuant to condition 6 (Parking Management Plan) on planning permission…

14 Ordnance Terrace Chatham Medway ME4 6PS

1£300,000Pending
MC/26/1077

Details pursuant to condition19 (Ecological Enhancements), condition 20 (Externa…

Aburound House Woodlands Road Gillingham Medway ME7 2DT

18£3.1MPending

Common questions

Property finance in Chatham
— answered.

What is the average property price in Chatham?
The median property price in Chatham is £300,000, based on Land Registry transactions over the past 12 months. Broken down by type: detached homes at £480,000, semi-detached properties at £350,000, terraced houses at £270,500, flats at £174,500.
Is Chatham a good area for property development?
Chatham recorded 2,811 property transactions in the last 12 months. Medway waterfront regeneration with the Historic Dockyard area attracting conversion schemes. Active transaction volumes indicate a liquid market where completed developments can achieve timely sales.
What types of property finance are available in Chatham?
We arrange the full range of property development finance in Chatham: development finance for ground-up schemes, bridging loans for auction purchases and chain breaks, mezzanine finance to stretch your capital stack, refurbishment finance for conversion projects, commercial mortgages for income-producing assets, equity and joint ventures for larger schemes, and development exit finance for completed projects awaiting sales.
How do I apply for development finance in Chatham?
Start by submitting your deal through our Deal Room with your project details - site address, purchase price, build costs, and expected end value. Our team will review your scheme, model the funding structure, and present you with terms from our panel of over 100 lenders within 48 hours. There's no upfront fee and no obligation until you choose to proceed.
What are typical development finance rates in Chatham?
Development finance rates for Chatham projects typically range from 7-11% per annum, depending on scheme size, developer experience, and leverage. For a scheme with a GDV of around £2.1M, you could expect senior debt at 60-70% of GDV with rates from 7.5%. Arrangement fees are usually 1-2% of the facility. We negotiate the best available terms from our lender panel for each deal.

Expert guides

Further reading
on development finance.

Bank vs Specialist Development Finance: Pros, Cons and When to Use Each

7 min read read

Senior Debt vs Mezzanine Finance: How They Work Together in Your Capital Stack

7 min read read

Development Finance for First-Time Developers: What You Need to Know

4 min read read

Using a Bridging Loan to Buy at Auction: A Step-by-Step Guide

4 min read read
View all guides

Where we fund

Chatham,
Kent.

Nearby markets

Adjacent towns
we also fund.

Maidstone

Median · £350,750

County town with strong local demand and significant brownfield redevelopment along the River Medway

Ashford

Median · £340,000

HS1 hub with 17-minute journey to London St Pancras, driving major residential expansion

Canterbury

Median · £330,000

Cathedral city with strong student housing demand from three universities and heritage conversion opportunities

Tunbridge Wells

Median · £430,000

Premium commuter town with high-value residential market and conservation area refurbishment demand

Folkestone

Median · £310,000

Coastal regeneration driven by the Creative Quarter and harbour arm development

Gravesend

Median · £352,000

Thames-side town with Ebbsfleet Garden City creating significant development demand nearby

Ready when you are

Tell us the deal.
We’ll recommend the structure.

Submit your development finance enquiry in Chatham 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.

Enter the Deal RoomOr call +44 20 3816 3693