Kent · South East England

Mezzanine finance for Dartford developers

Second-charge development funding to 90 to 95 percent of cost, priced against Dartford's own evidence: 1,224 recorded sales in the last 12 months and 222 units in live planning applications. We lend from our own book and arrange whole of market where that serves you better.

All of Kent

£364k

Median sold price, 12m

1,224

Sales recorded, 12m

222

Units in live applications

£56.8m

Estimated pipeline GDV

The Dartford market, in numbers we underwrite from

A mezzanine loan is a view on whether a scheme will sell at the price its appraisal claims, so every Dartford deal starts with the local evidence. Over the last 12 months the town recorded 1,224 sales at a median of £364,000, down 0.3 percent year on year. New build stock commands a premium of about 26.4 percent over existing homes on 5 new build completions, which matters directly to how we read a developer's sales assumptions.

What Dartford stock actually sells for

Property type	Median sold price, 12m
Detached	£630,000
Semi-detached	£435,000
Terraced	£350,000
Flats	£225,000

HM Land Registry price paid data, trailing 12 months, refreshed 5 July 2026.

Live planning activity at Dartford Borough Council

Over the last 3 months our monitors logged 22 relevant applications, 0 approved and 22 awaiting decision. Together the live residential applications propose 222 units with an estimated end value of £56.8m.

Schemes moving through planning now

Proposal	Units	Status
Submission of details relating to surface water drainage pursuant to condition 7 of planning permission DA/21/00724/FUL (granted on appeal) for the erection of 3 buildings up to four storeys in height to provide 47 flats…	47	Awaiting decision
Submission of details relating to contamination pursuant to condition 4 (in part) of planning permission DA/21/00724/FUL (granted on appeal) for the erection of 3 buildings up to four storeys in height to provide 47 flat…	47	Awaiting decision
Submission of details relating to contamination pursuant to condition 4 of planning permission DA/21/00724/FUL (granted on appeal) for the erection of 3 buildings up to four storeys in height to provide 47 flats with off…	47	Awaiting decision
Submission of details relating to vehicular access pursuant to condition 8 of planning permission DA/21/00724/FUL (granted on appeal) for the erection of 3 buildings up to four storeys in height to provide 47 flats with…	47	Decided

Sourced from Dartford Borough Council public register. If one of these is your scheme, we already know the context.

Gap funding for Dartford schemes

The structure is the same one we write everywhere: 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 around 35 percent of cost to 5 or 10. Terms run 6 to 36 months, pricing is indicatively from 12 percent a year, and a complete enquiry gets a term sheet inside 48 hours. Model a Dartford scheme with the leverage calculator, or see the wider county picture on our Kent page and the national view in the UK development pipeline tracker.

Indicative terms in Dartford

Loan size£250k to £5m
Combined leverageUp to 90 to 95% LTC
Term6 to 36 months
PricingFrom 12% a year
SecuritySecond charge plus PGs
DecisionTerm sheet in 48 hours

Indicative only; every loan is priced case by case.

FAQ

Mezzanine in Dartford, answered

Do you fund developments in Dartford?

Yes. We lend second-charge mezzanine on residential and mixed-use schemes in Dartford and across Kent, typically taking combined leverage to 85 to 95 percent of cost alongside a senior facility. Where a case suits another funder better, we arrange it whole of market.

What does the Dartford market look like right now?

Over the last 12 months Dartford recorded 1,224 sales at a median of £364,000, down 0.3 percent year on year. The live planning pipeline holds 222 units with an estimated GDV of £56.8m. The figures on this page refresh as the underlying Land Registry and planning data updates.

Does new build stock sell at a premium in Dartford?

On the last 12 months of Land Registry data, the 5 new build sales in Dartford priced about 26.4 percent above comparable existing stock. That premium is one of the first numbers we check when we underwrite a Dartford appraisal.

How quickly can a Dartford scheme get terms?

A complete enquiry gets a considered credit view and term sheet inside 48 hours, and typical enquiry to drawdown is 4 to 6 weeks, run in parallel with your senior lender.

Nearby

More Kent markets

Kent

Building in Dartford?

Share the scheme and get a term sheet in 48 hours, underwritten with the same Dartford evidence on this page.