Chatham, Kent

Commercial Mortgages & Property Finance in Chatham

Chatham is the largest of the Medway Towns with a proud naval heritage centred on the Historic Dockyard, now a major visitor attraction and creative workspace. The town has seen significant investment through the Rochester Riverside and Chatham Waters schemes, and the Universities at Medway campus has brought a student population that is reshaping the local economy.

Chatham Town CentreChatham MaritimeLutonWaldersladeLordswood
£185
Avg Price/sq ft
6%
Average Yield
+16.5%
5yr Price Growth
+12.5%
5yr Rental Growth

Chatham Local Market Intelligence

Largest Medway town with strong retail catchment. University and colleges drive demand for purpose-built student accommodation. Maritime heritage zone attracting investment.

— CMB Market Analysis

Key Industries

  • Education (Universities at Medway)
  • Creative Industries (Dockyard)
  • Retail
  • Healthcare
  • Technology

Transport Links

  • Southeastern/Thameslink to London (40 mins)
  • M2 Junction 3 (2 miles)
  • A2 to Canterbury/London
  • Chatham bus interchange

Regeneration

Chatham Waters mixed-use (£650m); Rochester Riverside; Historic Dockyard creative workspace; Pentagon Centre redevelopment; Chatham Waterfront; Command of the Heights housing

Commercial Mortgages in Chatham

Whether you're acquiring office space, retail units, or industrial property in Chatham, our commercial mortgage solutions provide long-term financing tailored to your investment strategy. We work with high street banks and specialist lenders to secure competitive rates across Kent, with terms from 3 to 25 years and up to 75% LTV.

Our ex-banker team understands the Chatham commercial property market and has direct relationships with lender credit committees, meaning faster decisions and better terms for your deal.

  • Owner-occupied and investment commercial mortgages
  • Terms from 3 to 25 years with competitive fixed and variable rates
  • Up to 75% LTV on commercial property
  • Portfolio and multi-asset lending available

Commercial Mortgage Key Facts

Loan Size£50k - £25m+
Max LTV75%
Term3 - 25 years
Decision48 hours

Commercial Bridging Finance in Chatham

When speed matters for your Chatham property transaction, commercial bridging finance provides short-term funding to bridge the gap. Whether you're securing a time-sensitive acquisition, funding an auction purchase, or refinancing before a long-term facility is in place, we can arrange bridging loans from completion in as little as 7 days.

With access to specialist bridging lenders across Kent, we structure deals that match your exit strategy and keep costs to a minimum.

  • Completion possible in 7-14 days for urgent transactions
  • Rates from 0.55% per month with no exit fees available
  • Up to 75% LTV on commercial and semi-commercial property
  • Auction finance, chain-break funding, and refurbishment bridges

Bridging Finance Key Facts

Loan Size£25k - £25m+
Max LTV75%
Term1 - 24 months
Speed7-14 days

Development Finance in Chatham

For developers building in Chatham, our development finance solutions fund ground-up construction, conversions, and major refurbishment projects. We arrange staged drawdown facilities aligned to your build programme, ensuring capital is available at each construction milestone.

From site acquisition to practical completion, we structure development loans that maximise your returns across Kent. Our team assesses GDV, build costs, and local market conditions to present the strongest case to lenders.

  • Staged drawdowns aligned to construction milestones
  • Up to 90% of build costs and 70% of land value
  • Ground-up, conversion, and heavy refurbishment projects
  • Day-one land funding available for experienced developers

Development Finance Key Facts

Loan Size£150k - £50m+
Build CostUp to 90%
Term6 - 24 months
Land ValueUp to 70%

Your Local Expert

Matt Lenzie

Founder & Principal Broker

  • Ex-Lloyds Bank and Bank of Scotland
  • Board advisor to pension trustee with £3.9bn AUA
  • Direct lender relationships across Kent

Why Chatham for Commercial Property Investment

Lender Appetite

Appetite improving with regeneration. Education and healthcare sectors particularly favoured.

Latest Commercial Property News in Chatham

Commercial property news for Chatham will appear here once available. Check back soon for the latest market updates.

Calculate Your Chatham Property Finance

Use our interactive calculators to estimate costs for commercial mortgages, bridging finance, and development loans.