CMB arranges commercial mortgages, bridging loans and development finance for property professionals across Chatham and Kent. Led by Matt Lenzie, ex-Lloyds Bank and Bank of Scotland, institutional-grade underwriting, direct lender access and decisions in 48 hours.
CMB combines former Lloyds and Bank of Scotland underwriting experience with direct board-level relationships at the UK's leading commercial lenders.
Former Lloyds Bank and Bank of Scotland professionals who understand lender criteria inside-out
Direct relationships with lender decision-makers for faster approvals and better terms
Proven success arranging complex commercial property finance across the UK
The factors lenders weigh when assessing Chatham commercial mortgages, sector demand, transport connectivity and active regeneration programmes.
“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
Chatham Waters mixed-use (£650m); Rochester Riverside; Historic Dockyard creative workspace; Pentagon Centre redevelopment; Chatham Waterfront; Command of the Heights housing
The Kent regional briefing covering Chatham and the wider region. A Q2 2026 commercial property briefing on Kent, the South East's largest and most varied commercial market, running from the M25 belt at Dartford and Sevenoaks through the Medway towns and the Garden of England farmland to the Channel ports. We cover transaction depth across twenty-five towns, recent Acuitus auction prints clearing between roughly four and twelve percent, and where lender appetite sits today.
Part of the Commercial Property Briefing podcast series. Subscribe via the RSS feed.
72 commercial sales in Chatham across the last 60 months, sourced from HM Land Registry Price Paid Data. 7 records in the current sample are confidently sector-classified; the wider recent sample is shown as general commercial transaction evidence.
Reliance House, Sun Pier, Chatham
212, High Street, Chatham
Dutch Point House, Phase Iv Riverside, Chatham
155, High Street, Chatham
153 - 155, High Street, Chatham
173a, High Street, Chatham
33, Luton High Street, Chatham
Compass Centre North, Unit B, Chatham Maritime, Chatham
Pioneer Wharf, 6, Medway Street, Chatham
68 - 70, Holland Road, Chatham
62, Holland Road, Chatham
61, Goldcrest Drive, St Marys Island, Chatham
33, Pattens Lane, Chatham
6, Leonard Road, Chatham
51, Castle Road, Chatham
93, Luton Road, Chatham
86, Beechwood Avenue, Chatham
24, Luton Road, Chatham
76, Rochester Street, Chatham
Unit 33-34, Gleaming Wood Drive, Chatham
Car Park, Princes Avenue, Walderslade, Chatham
43, Downsview, Chatham
36a, Purbeck Road, Chatham
36b, Purbeck Road, Chatham
Jetty 5, Unit 2a, Chatham Quays, Chatham
3, Solomons Road, Chatham
3, Solomons Road, Chatham
1, Barrier Road, Chatham
14, Upper Luton Road, Chatham
Source: HM Land Registry Price Paid Data (Category B records). Sector classification is address-based and best-effort; unclassified records are shown as general commercial transactions and smaller sectors may include mixed-use or conversion deals.
Three core debt structures cover the majority of Chatham commercial property deals. Each carries a different lender panel, LTV ceiling and pricing band, match the structure to the asset and the timeline.
Founder & Principal Broker
With a career spanning Lloyds Bank, Bank of Scotland, and a partnership in a corporate finance business, Matt brings institutional-grade expertise to every deal in Chatham. Currently a board advisor to a pension administrator and trustee with £3.9bn of assets under advisory, Matt has raised over £300m of capital for property professionals across the UK.
View Full ProfileWhat makes Chatham fundable, where the development opportunity sits, which lenders are active, and the asset classes our team finances most often.
Chatham presents development opportunities linked to Chatham Waters mixed-use (£650m). Growing demand from the Education (Universities at Medway) sector is creating opportunities for purpose-built commercial space and conversion projects. Strong transport links enhance viability for mixed-use and residential-led schemes.
Appetite improving with regeneration. Education and healthcare sectors particularly favoured.
Our team has deep experience arranging commercial mortgages, bridging loans, and development finance across Chatham and the wider Kent region, from commercial property purchases to development and refurbishment projects.
Commercial property news for Chatham will appear here once available. Check back soon for the latest market updates.
We provide commercial mortgages, bridging finance, and development finance throughout Kent.
Commercial mortgage services available across Chatham and surrounding areas. View larger map
Data-grounded answers about commercial property finance in Chatham, sourced from HM Land Registry transactions and our own deal flow.
HM Land Registry recorded 72 commercial property transactions in Chatham during the most recent reporting window. The median commercial sale price is £225,000, with the middle 50% of deals between £176,000 and £325,000. Source: HM Land Registry Price Paid Data (Category B records).
The median commercial sale price recorded by HM Land Registry in Chatham is £225,000. Smaller end deals (lower quartile) sit around £176,000, while larger transactions (upper quartile) reach £325,000 and above. These are the figures lenders will benchmark valuations against when assessing a commercial mortgage application in Chatham.
The most active commercial sectors in Chatham (by recorded transaction count) are: retail (5 transactions), office (2 transactions). Sector mix matters because lender appetite, LTV ceilings and rate pricing all vary by use class — speak to our team for an indicative quote on the sector you are targeting.
Yes. We arrange commercial mortgages, commercial bridging finance and development finance for property in Chatham. Typical loan sizes range from £150,000 to £25m+, with LTVs up to 75% on standard commercial assets and up to 70% LTGDV on development. Whole-of-market access — including the high-street banks, challenger lenders and specialist commercial funders.
Call 07595 366094 or use the contact form to request a commercial mortgage quote in Chatham. We will review the asset, sector, deal structure and lender appetite specific to Chatham and come back with an indicative rate, LTV and term within 24–48 hours.