Gravesend, Kent
Bridging Loans Gravesend Kent
Gravesend sits on the south bank of the Thames in north Kent, with DA11 covering the town centre and the riverside, and DA12 covering the larger residential expansion at Riverview Park, Singlewell and Northfleet East. The town carries the most direct High Speed 1 access of any Kent town outside the Ashford and Ebbsfleet hub, with Ebbsfleet International station immediately west and Gravesend's own station offering Southeastern services to Charing Cross and Cannon Street. We arrange specialist bridging finance across DA11 and DA12 weekly, with a deal mix tilted towards dev-exit on the Ebbsfleet Garden City pipeline, BRR for landlord portfolios and chain-break on the commuter-belt family-home stock.
Gravesend median
£332,500
Across DA11, DA12 postcodes
Recent sales tracked
12
Land Registry, last 24 months
Dominant stock type
Terraced
67% of recent transactions
Indicative monthly rate
0.55–1.5%
Subject to LTV, exit and security
The area
Gravesend in context.
Gravesend covers the historic Thames-side town centre at the river crossing, with the Town Pier, St George's Church and the Borough Market sitting at the heart of the conservation area. Fort Gardens and the riverside Promenade run along the Thames frontage with views across to Tilbury, while the New Tavern Fort sits at the eastern edge. The town's St Andrew's Arts Centre and the Woodville Halls provide the main civic draws, with the Thurrock crossing by the Gravesend-Tilbury Ferry adding a distinctive cross-river commuter route. Gravesham Borough Council sits at the centre as the local authority.
The residential streetscape splits between the dense Victorian and Edwardian terraced belt running south through the town centre, the inter-war and post-war housing at the Pelham Road and Old Road East corridors, the Riverview Park 1960s estate at the southern edge, and the new-build Ebbsfleet Garden City development running west across the DA11 boundary into DA10. Northfleet at the western edge carries a separate historic core with industrial and quayside heritage along the Thames.
Sold-data signal
Property market in Gravesend.
DA11 carries a median sold price of around £305,000 and DA12 around £335,000. Recent sales we track include Old Road East in DA12 at £325,000 for a three-bed semi, Pelham Road in DA11 at £285,000 for a Victorian terrace, Singlewell Road in DA12 at £355,000 for a larger family home, and the Springhead Park new-build belt in Ebbsfleet trading between £325,000 and £465,000 depending on plot and size.
Property type split across DA11 and DA12 is roughly 40% semi, 30% terraced, 20% detached and 10% flats, with the detached share lifted by the Riverview Park and Singlewell belts. Bridging deals in Gravesend typically sit between £180,000 and £550,000 loan size, with dev-exit cases on the Ebbsfleet pipeline running larger.
Deal flow
Bridging activity in Gravesend.
Four deal flavours dominate Gravesend's bridging book. First, development-exit bridging on the Ebbsfleet Garden City and surrounding new-build pipeline. The Ebbsfleet Development Corporation is delivering one of the largest new-build schemes in the South East, with phased completions across multiple plots running through Springhead Park, Castle Hill and the Eastern Quarter. Small developers reaching practical completion on three to twenty-flat or house blocks refinance off their development facility onto a 9 to 12-month bridge at 0.85% per month while units market.
BRR for landlord portfolios on the DA11
BRR for landlord portfolios on the DA11 terraced belt. Two and three-bed Victorian terraces at £230,000 to £310,000 with £20,000 to £32,000 of works are the typical model, funded on 9-month bridges at 0.85% per month at 75% LTV, exited to BTL refinance at uplifted value.
Chain-break bridging on DA12 family-home moves at
chain-break bridging on DA12 family-home moves at Riverview Park, Singlewell and the Old Road East belt. Regulated bridges from 0.55% per month at 65 to 70% LTV passed to our regulated partner firm. Loan sizes £275,000 to £550,000.
Auction completion across DA11
auction completion across DA11. The Clive Emson Maidstone room and the national catalogues list Gravesend terraces and Northfleet flats regularly at £180,000 to £290,000. We complete inside 14 days using title insurance.
A fifth stream is commercial bridging on
A fifth stream is commercial bridging on the High Street and the riverside parade, with retail and offices being repositioned for Class MA residential conversion or for portfolio investment. Loan sizes £350,000 to £950,000, term 12 to 18 months, rate 0.95 to 1.15% per month.
Streets and postcodes
Named streets we work across.
Gravesend covers DA11 0, DA11 7, DA11 8, DA11 9 and DA12 1 to DA12 5.
Postcode areas
Streets in our regular bridging flow (16)
Read the full Gravesend geography note ›
Gravesend covers DA11 0, DA11 7, DA11 8, DA11 9 and DA12 1 to DA12 5. Named streets in the regular bridging flow include the High Street, King Street and New Road through the town centre, Pelham Road and Wrotham Road running south, Old Road East and Old Road West as the main arterials, Singlewell Road heading south-east, Parrock Street, Windmill Street, Riverview Park's Coldharbour Road and Riverdale Road, Northfleet's London Road and Springhead Road, plus the Castle Hill and Springhead Park addresses in the new-build Ebbsfleet quarter. Recent sold-data points include Pelham Road at £285,000 and Old Road East at £325,000, indicative of the mid DA11 and DA12 family-home band.
Demand drivers
Transport and rental demand.
Gravesend railway station sits at the centre of the town and runs Southeastern services to London Charing Cross and Cannon Street in around 50 minutes. Ebbsfleet International station, less than two miles west of the town centre, runs the High Speed 1 service to London St Pancras in around 17 minutes and the Eurostar service to Paris in 2 hours 15. The A2 dual carriageway runs along the southern edge of the town with the M25 immediate at junction 2 via the Dartford Crossing, putting central London and the M11 corridor within easy reach.
Demand drivers are the High Speed 1 commuter pull from both Gravesend and Ebbsfleet, the Ebbsfleet Garden City development pipeline supporting one of the largest concentrations of new-build construction in the county, the Bluewater retail catchment a short drive west, the Thurrock and Tilbury cross-river logistics pool, and the affordability premium of DA11 and DA12 stock against equivalent commuter-belt towns in north Kent and south-east London. School catchments at Mayfield Grammar and Gravesend Grammar lift family-home demand. The Lower Thames Crossing development, with consent secured and construction beginning, adds a further infrastructure-driven lift to demand expected through 2027 and beyond.
Recent work
Our work in Gravesend.
Recent Gravesend bridging includes a £2.15 million dev-exit bridge against an eighteen-unit new-build scheme at Springhead Park, 12 months at 0.85% per month and 65% of GDV, cleared as units sold over a 10-month cycle. We also arranged a £255,000 BRR bridge on a Pelham Road Victorian terrace, 9 months at 0.85% per month and 75% LTV, with £28,000 of works and a BTL refinance at £315,000 valuation on exit. A regulated chain-break facility funded £335,000 against a Singlewell three-bed semi for an owner-occupier moving up from a DA11 terrace, passed to our regulated partner firm at 0.65% per month for 9 months. A fourth recent case completed in 13 days from auction on a Northfleet end-terrace at £225,000, 9-month bridge at 0.85% per month and 75% LTV.
Land Registry, recent sold prices
Gravesend sold-price evidence
The most recent registered transactions across the DA11, DA12 postcode areas, drawn from HM Land Registry Price Paid Data. Underwriters and valuers work from this evidence on every Gravesend bridge we arrange.
DA11 median
£320,000
DA12 median
£345,000
| Date | Street | Postcode | Type | Sold price |
|---|---|---|---|---|
| Mar 2026 | Alexandra Road | DA12 2QQ | Terraced | £240,000 |
| Mar 2026 | Station Road | DA11 9DY | Terraced | £240,000 |
| Mar 2026 | Winters Croft | DA12 5EB | Terraced | £255,000 |
| Mar 2026 | Marina Drive | DA11 9LQ | Terraced | £340,000 |
| Mar 2026 | Suffolk Road | DA12 2SN | Terraced | £250,000 |
| Mar 2026 | Lawrence Drive | DA12 3BU | Terraced | £435,000 |
| Mar 2026 | West Street | DA11 0BP | Flat | £192,000 |
| Mar 2026 | Calderwood | DA12 4QH | Detached | £420,000 |
| Mar 2026 | Queen Street | DA12 2ER | Flat | £175,000 |
| Mar 2026 | Snowden Hill | DA11 9AE | Terraced | £312,500 |
Source: HM Land Registry Price Paid Data, last refreshed for the Kent network in the trailing 24-month window. Bridging facilities are priced against the open-market value at the time of underwriting, not at the historic sold price.
Kent coverage
Where we work across Kent.
Gravesend sits inside a wider Kent bridging book. Click any marker to step into another town we cover.
FAQs
Gravesend bridging questions
Can you fund dev-exit on Ebbsfleet Garden City schemes?
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Yes. Ebbsfleet Garden City is one of the largest new-build pipelines in the South East and dev-exit bridging on three to twenty-unit completions is a regular case type for us. Pricing sits at 0.85 to 0.95% per month at 65 to 70% of gross development value, with 9 to 12-month terms cleared as units sell or as the block refinances to a residential investment term loan. Octopus Real Estate and LendInvest carry the larger tickets.
How does the High Speed 1 service support a Gravesend BTL exit?
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The Gravesend to St Pancras High Speed 1 service runs in around 22 minutes from the town's own station, and the Ebbsfleet International service runs in around 17 minutes. That combination puts Gravesend among the fastest commuter towns into central London anywhere in Kent. Rental demand from commuter professionals supports BTL refinance maths cleanly at 75% LTV against post-refurb valuation.
Tell us about the deal
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