Kent
Chatham
development finance.
Expert property development finance in Chatham, Kent. Median price £300,000, 4,137 annual sales. We connect developers with competitive funding from 100+ lenders.
- Median price
- £300k
- Sales (12m)
- 4,137
- YoY change
- 0%
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 4,137 transactions in the last twelve months, Chatham represents a active market.
Detached homes command a median of £483,375 while flats average £175,000, reflecting the breadth of Chatham's residential market. New-build activity is notable, with 54 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.
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.
Mezzanine Finance
Stretch your capital stack beyond senior debt to reduce equity requirements.
Bridging Loans
Short-term finance for acquisitions, auction purchases and time-sensitive deals.
Equity & Joint Ventures
Equity partnerships and JV structures for developers seeking capital partners.
Refurbishment Finance
Funding for light and heavy refurbishment projects including conversions.
Commercial Mortgages
Long-term finance for commercial property acquisition and refinancing.
Development Exit Finance
Short-term funding to repay development finance while you sell completed units.
Live market data
Chatham
market snapshot.
HM Land Registry sold-price data for Chatham over the last twelve months, alongside the live local planning pipeline. Updated weekly.
- Median price
- £300,000
- Sales (12m)
- 4,137
- YoY change
- Flat
- Approved (recent)
- 107
- Pipeline units
- 4,646
- Pipeline GDV
- £1341.7M
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.
Build cost pre-filled at £2,550/sqm (regional benchmark) for a 6-unit scheme. Assumes 10% professional fees, 10% contingency, 65% LTGDV senior debt, 18-month term. Full calculator →
Capital Structure
Land Registry data
Recent property sales
in Chatham.
4,137 residential transactions in the last twelve months. Median sold price £300,000. 54 new-build transactions with a +47% premium over existing stock.
Detached
£483,375
Semi-Detached
£345,000
Terraced
£270,000
Flat
£175,000
| Date | Address | Type | Price | Tenure |
|---|---|---|---|---|
| 25 Aug 2026 | FLAT 20, WOODLANDS COURT, WALDERSLADE CENTREME5 9GJ | Flat | £125,000 | Leasehold |
| 24 Aug 2026 | 58, ORCHARD STREETME8 9AB | Terraced | £220,000 | Freehold |
| 24 Aug 2026 | 21, CROSLEY ROADME7 4AE | Terraced | £300,000 | Freehold |
| 21 Aug 2026 | 21, NARES ROADME8 9RG | Semi-Detached | £360,000 | Freehold |
| 21 Aug 2026 | 16, ALDINGTON CLOSEME5 7NF | Detached | £380,000 | Freehold |
| 21 Aug 2026 | 80, VICTORIA ROADME4 5EU | Terraced | £140,000 | Freehold |
| 21 Aug 2026 | 7, ST. MARYS HALL COTTAGES, THE STREETME3 8RH | Semi-Detached | £355,000 | Freehold |
| 21 Aug 2026 | 80, ALLINGTON DRIVEME2 3TA | Semi-Detached | £400,000 | Freehold |
| 21 Aug 2026 | 59, BROOKMEAD ROADME3 8HL | Semi-Detached | £385,000 | Freehold |
| 21 Aug 2026 | 8, ENGLEFIELD CRESCENTME3 8HB | Detached | £450,000 | Freehold |
Planning pipeline
Planning activity
in Chatham.
Recently Approved
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| MC/26/0982 | Construction of a three storey block comprising of four flats, with associated p… Near ME2 4TH | 4 | £700,000 | Pending | 01/10/2026 |
| MC/26/1462 | Conversion of an existing barn into a residential dwelling with associated parki… Near ME3 7UR | 1 | £300,000 | Pending | 28/09/2026 |
| MC/26/1245 | Part retrospective application for the construction of a detached family dwellin… Near ME3 9JR | 1 | £483,375 | Pending | 21/09/2026 |
| MC/26/1436 | Prior notification for the change of use from doctors surgery to 9x residential … Near ME4 5QS | 9 | £1.6M | Pending | 21/09/2026 |
| MC/25/0701 | Outline application with all matters reserved for construction of up to 75 dwell… Near ME3 9BJ | 75 | £22.5M | Pending | 17/09/2026 |
Current Applications
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| MC/26/1874 | Alterations to main roof to a mansard roof together with construction of dormer … Near ME7 1FH | 2 | £350,000 | Pending | 29/09/2026 |
| MC/26/1866 | Application for permission in principle for the construction of 1 No. self-build… Near ME7 3QU | 1 | £300,000 | Pending | 28/09/2026 |
| MC/26/1849 | Change of use from a hairdressing salon to residential, including a new roof and… Near ME3 0BH | 1 | £300,000 | Pending | 24/09/2026 |
| MC/26/1808 | Application for permission in principle for the construction of a minimum of one… Near ME2 3JG | 1 | £300,000 | Pending | 21/09/2026 |
| MC/26/1810 | Construction of a pair of semi-detached dwellings together with associated parki… Near ME3 8EH | 2 | £690,000 | Pending | 21/09/2026 |
Source: HM Land Registry price paid data, 12 months to October 2026 · Medway planning register, retrieved October 2026. Contains HM Land Registry data © Crown copyright and database right, licensed under the Open Government Licence v3.0.
Common questions
Property finance in Chatham
— answered.
What is the average property price in Chatham?
Is Chatham a good area for property development?
What types of property finance are available in Chatham?
How do I apply for development finance in Chatham?
What are typical development finance rates in Chatham?
Expert guides
Further reading
on development finance.
Bank vs Specialist Development Finance: Pros, Cons and When to Use Each
5 min read readSenior Debt vs Mezzanine Finance: How They Work Together in Your Capital Stack
4 min read readCan I Get Development Finance With No Track Record?
5 min read readUsing a Bridging Loan to Buy at Auction: A Step-by-Step Guide
4 min read readIndicative structures
How consented schemes
in Kent stack up.
Recently consented schemes in Kent, modelled at 70% LTGDV with GDV estimated from local Land Registry sold prices. Indicative only: not offers of finance and not completed transactions.
Where we fund
Chatham,
Kent.
Nearby markets
Adjacent towns
we also fund.
Maidstone
Median · £355,625
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 · £334,750
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 · £350,000
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.