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Northamptonshire

Kettering
development finance.

Expert property development finance in Kettering, Northamptonshire. Median price £253,000, 1,402 annual sales. We connect developers with competitive funding from 100+ lenders.

Median price
£253k
Sales (12m)
1,402
YoY change
-3.1%
UK city skyline with residential and commercial buildings

Kettering, Northamptonshire

Property finance
in Kettering.

Kettering - north Northamptonshire growth town with Midland Road regeneration and affordable values. With a median property price of £253,000 and 1,402 transactions in the last twelve months, Kettering represents a healthy market with prices down 3.1% year-on-year.

Detached homes command a median of £365,000 while flats average £122,500, reflecting the breadth of Kettering's residential market. New-build activity is notable, with 15 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 Kettering and the wider Northamptonshire area. Each deal is structured around your specific project, with terms negotiated from our panel of over 100 lenders.

Live market data

Kettering
market snapshot.

HM Land Registry sold-price data for Kettering over the last twelve months, alongside the live local planning pipeline. Updated weekly.

Median price
£253,000
Sales (12m)
1,402
YoY change
-3.1%
Pipeline units
288
Pipeline GDV
£64.3M

Kettering development appraisal

Model the numbers
for your scheme.

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

£
£
£
%

Build cost pre-filled at £2,150/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

Total Cost£1,811,250
Senior Debt (65% LTGDV)£1,013,350
Equity Required£797,900
Interest (18m)£114,002
Profit on Cost-19.0%
Senior Debt£1,013,350
Equity£797,900

Land Registry data

Recent property sales
in Kettering.

1,402 residential transactions in the last twelve months. Median sold price £253,000 (-3.1% YoY). 15 new-build transactions with a +68.7% premium over existing stock.

Detached

£365,000

Semi-Detached

£247,500

Terraced

£199,998

Flat

£122,500

DateAddressTypePrice
19 Jun 202642, HILLSIDE AVENUENN15 6EFSemi-Detached£300,000
19 Jun 20269, BENTHAM CLOSENN14 1UHTerraced£279,000
19 Jun 202622, QUEEN STREETNN14 2RETerraced£165,000
18 Jun 2026135, DUNKIRK AVENUENN14 2PWSemi-Detached£261,000
16 Jun 202642, BRAYBROOKE ROADNN14 2LJSemi-Detached£285,000
15 Jun 2026224, WOOD STREETNN16 9SAFlat£95,000
15 Jun 2026222, WOOD STREETNN16 9SATerraced£95,000
12 Jun 202626, GLASTONBURY CLOSENN15 5ESDetached£245,000
12 Jun 202614, BELGRAVE CLOSENN15 6TLDetached£295,000
12 Jun 202617, WILLOW CLOSENN14 2QHSemi-Detached£192,500

Planning pipeline

Planning activity
in Kettering.

170 residential applications awaiting decision
·565 units in pipeline·£135.5M estimated GDV

Current Applications

RefProposalUnitsEst. GDVStatus
26/02216/LDP

Hip to gable conversion with rear dormer window

14 Spencer Street Rothwell NN14 6HD

--Pending
26/02198/LDP

Single storey rear extension

24 Trinity Road Rothwell NN14 6HY

--Pending
26/02178/FUL

Demolition of an agricultural building and the erection of one dwelling with ass…

Sp9583 Op2046 Brigstock Road Sudborough

1£253,000Pending
26/02187/FUL

Existing tennis courts to be replaced with 6no. new Padel courts with a bar and …

Mast Sywell Road Wellingborough

--Pending
26/02144/LBC

Change of use from church (Class F1) to a single dwelling (Class C3), comprising…

United Reformed Church Fox Street Rothwell NN14 6AN

1£253,000Pending

Source: HM Land Registry price paid data, 12 months to August 2026 · North Northamptonshire Council planning register, retrieved August 2026. Contains HM Land Registry data © Crown copyright and database right, licensed under the Open Government Licence v3.0.

Common questions

Property finance in Kettering
— answered.

What is the average property price in Kettering?
The median property price in Kettering is £253,000, based on Land Registry transactions over the past 12 months. Broken down by type: detached homes at £365,000, semi-detached properties at £247,500, terraced houses at £199,998, flats at £122,500.
Is Kettering a good area for property development?
Kettering recorded 1,402 property transactions in the last 12 months, with prices adjusting 3.1% year-on-year - creating potential value opportunities for developers. North Northamptonshire growth town with Midland Road regeneration and affordable values. Active transaction volumes indicate a liquid market where completed developments can achieve timely sales.
What types of property finance are available in Kettering?
We arrange the full range of property development finance in Kettering: 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 Kettering?
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 Kettering?
Development finance rates for Kettering projects typically range from 7-11% per annum, depending on scheme size, developer experience, and leverage. For a scheme with a GDV of around £1.5M, 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.

Where we fund

Kettering,
Northamptonshire.

Ready when you are

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

Submit your development finance enquiry in Kettering 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.