4.25%
South East prime yield (Knight Frank)
Kent
Build to Rent Finance in Chatham
Development finance, forward funding, development exit, investment and term debt for build to rent schemes in Chatham. This is finance for the rental scheme as an income-producing asset.
Written and reviewed by Matt Lenzie Founder & Principal Broker · 25 years arranging development finance · Reviewed June 2026
4%
South East rental growth (Knight Frank)
161
Chatham pipeline homes (Construction Capital)
£5.3bn
UK BTR investment, 2025 (Savills)
We arrange build to rent finance in Chatham for developers, housebuilders, operators and investors. Whether you are funding a ground-up multifamily block, a single-family rental scheme, a conversion or a co-living scheme, or refinancing a stabilised asset onto term debt, we read the appraisal and the numbers, then take the case to the lenders most likely to fund it across Kent.
A Chatham rental scheme is assessed on its appraisal: the land, the build contract, the planning consent, the gross development value and the net operating income the finished homes will produce once let. Prime stabilised stock in the South East prices at around 4.25% net initial yield (Knight Frank, Sept 2025), the benchmark a lender and an investor read when they value a Chatham scheme.
Build to rent finance structures for Chatham schemes
We arrange the full range of build to rent finance for Chatham developers and investors. Development finance funds a ground-up build, indicatively to around 60 to 65 percent of cost or 70 to 75 percent of gross development value. Forward funding brings an institutional investor in to fund the scheme up front and buy it on completion. Forward commitment fixes a buyer at practical completion while the developer funds the build. Development exit finance replaces development debt at completion to lower the cost while the homes let up. Investment and term finance sits behind a stabilised, income-producing asset, sized on the net operating income and debt service cover. Bridging moves at site-assembly pace, and mezzanine or equity stretches the leverage where the senior loan will not reach. We match each case to the lenders and funders that back this kind of scheme across Kent.
Build to rent scheme types we finance across Chatham
Each kind of rental scheme is appraised and underwritten differently, and we arrange finance for all of them in Chatham and across Kent. That covers multifamily apartment blocks, single-family housing let to families, co-living schemes, regeneration and mixed-use schemes, commercial-to-residential conversions, modular and modern-methods-of-construction schemes, affordable and mid-market rental, and prime build to rent. A multifamily block turns on the stabilised net operating income and the operator. A single-family scheme turns on phased delivery and a portfolio exit. Knowing which lender backs which scheme type here, and at what leverage, is the work we do before a case ever reaches a credit committee. Local planning records show 3 larger residential schemes in the Chatham pipeline, around 161 homes in total, the kind of development that build-to-rent finance funds.
Finance we arrange for Chatham schemes
The South East build to rent market and your Chatham scheme
The largest regional housing market: the Home Counties commuter belt, single-family BTR heartland and high-value towns. The strongest single-family BTR region, with deep commuter-belt demand and the keenest regional yields outside London. Rental growth has run at about 4% (Knight Frank, FY2025). Prime stabilised stock in the South East prices at around 4.25% net initial yield (Knight Frank, Sept 2025), the benchmark a lender and an investor read when they value a Chatham scheme. The local residential market gives the context a lender reads alongside the scheme: a median sold price of about £300,000 across roughly 2,811 transactions in the last year (HM Land Registry, via the Construction Capital data lake). Lenders and funders read these regional yield, rental-growth and pipeline trends, alongside the scheme's own appraisal, when they size a facility for a Chatham build to rent scheme.
- The heartland of single-family housing BTR, the fastest-growing part of the sector (Savills, Knight Frank)
- Home Counties commuter-belt demand within reach of London
- High house prices that lock would-be buyers into renting
Live pipeline
Build to rent and residential development in Chatham
3 larger residential schemes in the Medway Council planning records, around 161 homes in total, a real read on local development appetite and forthcoming rental supply.
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Land North Of Moor Street Rainham Gillingham Medway
Details pursuant to condition 4 (Hard and Soft Landscaping) on appeal decision APP/A2280/W/22/3310119 (MC/21/3125) - Full planning application for the development of 66 dwellings (including 25% affordable housing) together with open space, landscaping, drainag…
View on the planning portal → -
3 New Road Chatham Medway ME4 4QJ
Details pursuant to condition 4 (Sustainable Drainage Assessment) on planning permission MC/23/2669 - Construction of two blocks linked by basement parking comprising of 61 apartments with associated amenity area, parking and landscaping
View on the planning portal → -
Land West Of Edinburgh Road Isle Of Grain Rochester Medway
Details pursuant to condition 7 (Contamination Remediation) on planning permission MC/24/1289 - construction of 34 dwellings together with access, parking, landscaping, open space and associated infrastructure and earthworks
View on the planning portal →
Source: local-authority planning records via the Construction Capital data lake, filtered to larger residential development schemes. Live applications, not an indication of consent.
Local rental-demand context, Chatham
A build to rent scheme is funded against the rent its homes will command and the value of the stabilised income. As local market context, Chatham recorded around 2,811 residential property sales over the past year at a median of £300,000 (active and liquid market), a read on local pricing and demand. The scheme itself is valued on its gross development value and stabilised net operating income, not on these sold prices alone.
Source: HM Land Registry residential price-paid data, last 12 months, via the Construction Capital data lake. Local market context only.
FAQ
Build to rent finance in Chatham: common questions
How much can I borrow to build a rental scheme in Chatham?
Most development lenders fund up to around 60 to 65 percent of total cost, or 70 to 75 percent of gross development value, capped on the lower of the two. Mezzanine or equity can stretch that toward 80 to 90 percent of cost. The facility is sized on the appraisal, the build cost, the gross development value and the stabilised net operating income, not on a personal income. We hold more than one hundred lender relationships and shortlist the desks most likely to back a Chatham scheme.
Which lenders provide build to rent finance in Chatham?
We work across challenger and development banks, specialist real-estate lenders, debt funds and institutional forward funders. The right lender for a Chatham scheme depends on the scheme type, the developer's track record and the leverage and structure you need, and we match the case to the desks and funders that actively back it across Kent.
What yields does the South East build to rent market trade at?
Prime net initial yields are reported by region and city tier rather than town by town. Prime stabilised stock in the South East prices at around 4.25% net initial yield (Knight Frank, Sept 2025), the benchmark a lender and an investor read when they value a Chatham scheme. We read these benchmark figures alongside the individual scheme's appraisal and stabilised net operating income when we structure a facility.
Do you only arrange finance in Chatham?
No. We arrange build to rent finance across the whole of Kent and the wider UK, with the same approach: read the scheme and its appraisal, match the case to the lenders and funders that back the type, and negotiate terms on the borrower's behalf.
Funding a rental scheme in Chatham?
Send us the scheme and the appraisal and we will come back with a view on fundability and likely terms within one working day.