Specialist mezzanine finance for Kent's developers

Development gap funding across the Garden of England

Across the 12 Kent towns we monitor, 1,848 residential units are moving through live planning applications, an estimated £548m of gross development value. Chatham recorded 2,930 sales in the last 12 months, while Sevenoaks carries the county's strongest pricing at a median of £495,000.

That data is not decoration: it is how we underwrite. A mezzanine loan is a view on whether a scheme will sell at the price its appraisal claims, so we track every live application and recorded sale in the towns above before we price a Kent deal. The same numbers are published openly in our UK development pipeline tracker, where Kent currently ranks number 8 of 48 counties by pipeline value.

Kent sits between London and the Strait of Dover and is England's main gateway to continental Europe via the Channel ports and the Channel Tunnel. It is famed for fruit orchards, hop gardens and market gardening, earning the nickname the 'Garden of England'.

The product itself works the same in Kent as everywhere we lend: your senior lender keeps first charge and funds the majority of cost, our mezzanine finance takes a second charge over the next slice, and your equity requirement falls, typically from 35 percent of cost to 5 or 10. Terms run 6 to 36 months with pricing indicatively from 12 percent a year, and a complete enquiry gets a term sheet inside 48 hours. Model your own scheme with the leverage calculator.

Kent's development pipeline, measured

Monitored towns only; data refreshed 5 July 2026 from HM Land Registry and local planning authority records.

Where we lend in the county of Kent

Dover

1,049 units sit in Dover's live planning applications, an estimated £293m of GDV. The median sold price over the last 12 months is £280,000 (down 3.4% year on year), across 1,389 recorded sales. Schemes here are underwritten against that evidence, not against optimism.

Tonbridge

338 units sit in Tonbridge's live planning applications, an estimated £135m of GDV. The median sold price over the last 12 months is £403,625 (down 2.7% year on year), across 1,448 recorded sales. Schemes here are underwritten against that evidence, not against optimism.

Dartford

222 units sit in Dartford's live planning applications, an estimated £56.8m of GDV. The median sold price over the last 12 months is £364,000 (down 0.3% year on year), across 1,224 recorded sales. Schemes here are underwritten against that evidence, not against optimism.

Chatham

220 units sit in Chatham's live planning applications, an estimated £55.7m of GDV. The median sold price over the last 12 months is £300,000 (flat 0% year on year), across 2,930 recorded sales. Schemes here are underwritten against that evidence, not against optimism.

Sevenoaks

19 units sit in Sevenoaks's live planning applications, an estimated £6.7m of GDV. The median sold price over the last 12 months is £495,000 (up 6.5% year on year), across 1,197 recorded sales. Schemes here are underwritten against that evidence, not against optimism.