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Tonbridge
development finance.

Expert property development finance in Tonbridge, Kent. Median price £405,000, 1,377 annual sales. We connect developers with competitive funding from 100+ lenders.

Start a Tonbridge dealOr call +44 20 3816 3693
Median price
£405k
Sales (12m)
1,377
YoY change
-2.4%
Canterbury Cathedral against a cloudy sky

Tonbridge, Kent

Property finance
in Tonbridge.

Tonbridge - prosperous Weald market town with demand for quality family housing and boutique developments. With a median property price of £405,000 and 1,377 transactions in the last twelve months, Tonbridge represents a healthy market with prices down 2.4% year-on-year.

Detached homes command a median of £650,373 while flats average £230,000, reflecting the breadth of Tonbridge'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 Tonbridge and the wider Kent area. Each deal is structured around your specific project, with terms negotiated from our panel of over 100 lenders.

Tonbridge Property Market ReportKent County Market Report

The capital stack

Seven funding routes for
every Tonbridge scheme.

Senior debt, mezzanine, bridging, equity, refurbishment, commercial mortgages and exit finance — arranged for Tonbridge 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 Tonbridge

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 Tonbridge

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 Tonbridge

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 Tonbridge

Refurbishment Finance

Funding for light and heavy refurbishment projects including conversions.

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

Commercial Mortgages

Long-term finance for commercial property acquisition and refinancing.

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

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 Tonbridge

Live market data

Tonbridge
market snapshot.

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

Median price
£405,000
Sales (12m)
1,377
YoY change
-2.4%
Approved (12m)
0
Pipeline units
29
Pipeline GDV
£10.7M

Tonbridge development appraisal

Model the numbers
for your scheme.

Pre-populated with Tonbridge 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 Tonbridge 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£1,817,700
Senior Debt (65% LTGDV)£1,618,500
Equity Required£199,200
Interest (18m)£182,081
Profit on Cost24.5%
Senior Debt£1,618,500
Equity£199,200
Get Terms for This Scheme

Land Registry data

Recent property sales
in Tonbridge.

1,377 residential transactions in the last twelve months. Median sold price £405,000 (-2.4% YoY). 38 new-build transactions with a +11% premium over existing stock.

Detached

£650,373

Semi-Detached

£415,000

Terraced

£336,500

Flat

£230,000

DateAddressTypePrice
24 Apr 202617, CROWN ACRESTN12 5HASemi-Detached£550,000
24 Apr 20265, SWANLAND DRIVETN9 2RASemi-Detached£468,000
24 Apr 2026125, POYNDER DRIVEME6 5SPSemi-Detached£360,000
23 Apr 202646, BRAMLEY ROADME6 5DYTerraced£280,000
20 Apr 202633, PEREGRINE ROADME19 4PEDetached£735,000
20 Apr 202620, BRIDGE PLACEME20 7JJSemi-Detached£460,000
17 Apr 202612, THE STREETTN15 0QQTerraced£500,000
17 Apr 202611, LARCH CLOSEME20 6NBSemi-Detached£400,000
17 Apr 20262, RITCH ROADME6 5PUSemi-Detached£350,000
16 Apr 20266, TOWNSEND ROADME6 5RHSemi-Detached£360,000

Planning pipeline

Planning activity
in Tonbridge.

0 approved (12m)
·
50 pending
·29 units in pipeline·£10.7M estimated GDV·0% approval rate

Current Applications

RefProposalUnitsEst. GDVStatus
26/01151/EASP

Request for an EIA Scoping Opinion under Town and Country Planning (Environmenta…

Development Site Land North And West Of Holborough Quarry Ladds Lane Snodland Kent

--Pending
26/01068/LDP

Outbuilding to rear garden

Copper Beeches Ash Lane Stansted Sevenoaks Kent TN15 7DY

--Pending
26/01046/LDP

Lawful Development Certificate Proposed: Detached outbuilding

Cherry Court 3 Moorlands View Offham West Malling Kent ME19 5SY

--Pending
26/01014/RD

Details of condition 33 (Written Scheme of Investigation) pursuant to planning p…

Development Site Bushey Wood Phase 1 Bull Lane Eccles Aylesford Kent

--Pending
26/01016/LDP

Lawful Development Certificate Proposed: Erection of a rear dormer loft conversi…

18 Pixie Walk Kings Hill West Malling Kent ME19 4NW

--Pending

Common questions

Property finance in Tonbridge
— answered.

What is the average property price in Tonbridge?
The median property price in Tonbridge is £405,000, based on Land Registry transactions over the past 12 months. Broken down by type: detached homes at £650,373, semi-detached properties at £415,000, terraced houses at £336,500, flats at £230,000.
Is Tonbridge a good area for property development?
Tonbridge recorded 1,377 property transactions in the last 12 months, with prices adjusting 2.4% year-on-year - creating potential value opportunities for developers. Prosperous Weald market town with demand for quality family housing and boutique developments. Active transaction volumes indicate a liquid market where completed developments can achieve timely sales.
What types of property finance are available in Tonbridge?
We arrange the full range of property development finance in Tonbridge: 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 Tonbridge?
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 Tonbridge?
Development finance rates for Tonbridge projects typically range from 7-11% per annum, depending on scheme size, developer experience, and leverage. For a scheme with a GDV of around £2.5M, 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

Tonbridge,
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

Chatham

Median · £300,000

Medway waterfront regeneration with the Historic Dockyard area attracting conversion schemes

Folkestone

Median · £310,000

Coastal regeneration driven by the Creative Quarter and harbour arm development

Ready when you are

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

Submit your development finance enquiry in Tonbridge 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