Kent
Chatham
development finance.
Expert property development finance in Chatham, Kent. Median price £300,000, 2,661 annual sales. We connect developers with competitive funding from 100+ lenders.
- Median price
- £300k
- Sales (12m)
- 2,661
- YoY change
- 0%
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 2,661 transactions in the last twelve months, Chatham represents a active market with prices up 0% year-on-year.
Detached homes command a median of £475,000 while flats average £170,000, reflecting the breadth of Chatham's residential market. New-build activity is notable, with 38 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, cross-referenced with local planning pipeline. Updated weekly.
- Median price
- £300,000
- Sales (12m)
- 2,661
- YoY change
- +0%
- Approved (12m)
- 0
- Pipeline units
- 3,609
- Pipeline GDV
- £1007.5M
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
Land Registry data
Recent property sales
in Chatham.
2,661 residential transactions in the last twelve months. Median sold price £300,000. 38 new-build transactions with a +100% premium over existing stock.
Detached
£475,000
Semi-Detached
£345,250
Terraced
£274,000
Flat
£170,000
| Date | Address | Type | Price | Tenure |
|---|---|---|---|---|
| 25 Feb 2026 | 17, VALENTINE DRIVEME3 8BA | Terraced | £280,000 | Freehold |
| 24 Feb 2026 | 8, IVY STREETME8 8BE | Terraced | £315,000 | Freehold |
| 23 Feb 2026 | 48, SUNNYMEAD AVENUEME7 2DZ | Semi-Detached | £450,000 | Freehold |
| 23 Feb 2026 | 23, OAKHURST CLOSEME5 9AN | Semi-Detached | £400,000 | Freehold |
| 20 Feb 2026 | 4, LEVETT CLOSEME3 0EG | Terraced | £200,000 | Freehold |
| 20 Feb 2026 | 26, WILLOWBANK DRIVEME3 8TW | Detached | £450,000 | Freehold |
| 20 Feb 2026 | 5A, BROOKSIDEME3 9AR | Flat | £160,000 | Leasehold |
| 20 Feb 2026 | 10, THAMES AVENUEME3 8TE | Semi-Detached | £547,500 | Freehold |
| 20 Feb 2026 | 14, CHILLINGTON CLOSEME2 1JX | Terraced | £270,500 | Freehold |
| 19 Feb 2026 | UNIT B, COMPASS CENTRE NORTH, CHATHAM MARITIMEME4 4YG | Other | £600,000 | Leasehold |
Planning pipeline
Planning activity
in Chatham.
Current Applications
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| MC/26/0720 | Change of use from C3 Dwellinghouse to C4 HMO for up to 6 individuals. 73 Copenhagen Road Gillingham Medway ME7 4RU | 1 | £300,000 | Pending | 16/04/2026 |
| MC/26/0696 | Change of use of C3 dwellinghouse to sui generis for an 8 bedroom HMO. 163 Marlborough Road Gillingham Medway ME7 5HP | 1 | £300,000 | Pending | 13/04/2026 |
| MC/26/0651 | Details pursuant to condition 4 (Hard and Soft Landscaping) on appeal decision A… Land North Of Moor Street Rainham Gillingham Medway | 66 | £19.8M | Pending | 02/04/2026 |
| MC/26/0610 | Details pursuant to condition 9 (energy efficiency and climate change) on planni… 798 Lower Rainham Road Rainham Gillingham Medway ME8 7UD | 200 | £60.0M | Pending | 27/03/2026 |
| MC/26/0601 | Details pursuant to condition 21(Bat Sensitive Lighting) on planning permission … Land North Of Moor Street Rainham Gillingham Medway | 66 | £19.8M | Pending | 26/03/2026 |
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
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
Chatham,
Kent.
Nearby markets
Adjacent towns
we also fund.
Maidstone
Median · £350,000
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 · £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.