Development exit report · H1 2026

Kingston upon Thames Development Exit Report, H1 2026

Who is lending to developers in Kingston upon Thames, how many schemes are exiting their development loans, and how quickly new homes are selling. Built from Companies House charges, Land Registry sales and council planning data.

41
New development charges, 12 months to June 2026 (+70.8%)
4
Development loans filed as repaid, same 12 months
55.9%
Live development book over 24 months old (60.6% nationally)
21
New-build sales, latest settled 12 months (-57.1%)
Matt Lenzie
Written and reviewed by Matt Lenzie Founder & Principal Broker · 25 years arranging development finance · Reviewed September 2026
In short

Start with this: in the 12 months to June 2026, bridging and specialist lending to development companies climbed 81.8% to 20 charges across Kingston upon Thames. Meanwhile development loans filed as repaid dropped 81% to 4. The age of the local development book stands out: 55.9% of live charges are older than two years, against 60.6% for England and Wales. On the planning side, 233 residential applications were approved in the latest 12-month window.

Scorecard

Kingston upon Thames at a glance

How each signal moved over the year, measured the same way for every location we report on.

SignalKingston upon ThamesChangeBasisDirection
New development charges41+70.8%12 months to June 2026 vs the 12 months beforeUp
Development charges satisfied (exits filed)4-81%12 months to June 2026 vs the 12 months before; recent filings provisionalDown
Exit-type lending to developers20+81.8%bridging, specialist-bank and private-credit charges on development companiesUp
Live development book over 24 months old55.9%-4.7 ptsat 30 June 2026, compared with 60.6% across England and WalesBelow national
New-build sales registered21-57.1%settled 12 months (registration lag allowed for) vs the 12 months beforeDown
New developer and property companies223+11.5%SIC 41100, 41202, 68100 by registered office; live register onlyUp
Companies House · development lending

Development lending and exits in Kingston upon Thames

The register shows 41 new development charges in Kingston upon Thames across the 12 months to June 2026, up 70.8% on the prior 12 months, spread over 30 borrowers.

Set against that, 4 development charges were satisfied (repaid) in the same year, 0.1 for every new charge against 0.4 nationally. The local book is still growing faster than it clears.

A charge is the security a lender registers at Companies House. It shows that a loan was taken and when it was repaid (satisfied), not how much was lent. Repayments are filed late, so the latest six months are provisional.

Kingston upon Thames: development charges registered and satisfied by quarter, 2022 Q1 to 2026 Q2; faded bars are provisional because repayments are filed late
New development chargesSatisfied (loan repaid)
05101520New development charges, 2022 Q1: 2Satisfied, 2022 Q1: 32022New development charges, 2022 Q2: 8Satisfied, 2022 Q2: 6New development charges, 2022 Q3: 7Satisfied, 2022 Q3: 1New development charges, 2022 Q4: 8Satisfied, 2022 Q4: 1New development charges, 2023 Q1: 9Satisfied, 2023 Q1: 32023New development charges, 2023 Q2: 6Satisfied, 2023 Q2: 0New development charges, 2023 Q3: 3Satisfied, 2023 Q3: 2New development charges, 2023 Q4: 5Satisfied, 2023 Q4: 6New development charges, 2024 Q1: 3Satisfied, 2024 Q1: 32024New development charges, 2024 Q2: 10Satisfied, 2024 Q2: 2New development charges, 2024 Q3: 8Satisfied, 2024 Q3: 6New development charges, 2024 Q4: 5Satisfied, 2024 Q4: 9New development charges, 2025 Q1: 4Satisfied, 2025 Q1: 62025New development charges, 2025 Q2: 7Satisfied, 2025 Q2: 0New development charges, 2025 Q3: 10Satisfied, 2025 Q3: 1New development charges, 2025 Q4: 8Satisfied, 2025 Q4: 1New development charges, 2026 Q1: 14 (censored by registration lag)Satisfied, 2026 Q1: 2 (censored by registration lag)2026New development charges, 2026 Q2: 9 (censored by registration lag)Satisfied, 2026 Q2: 0 (censored by registration lag)

Companies House charge register, Construction Capital analysis

Companies House · exit-type lending

Bridging and specialist lending to Kingston upon Thames developers

Kingston upon Thames saw 20 exit-type charges registered against development companies in the 12 months to June 2026, against 11 a year earlier (+81.8%).

Bridging lenders held the largest number, 11. The first half of 2026 alone brought 14, against 4 in the first half of 2025.

Exit-type lending counts charges registered by bridging lenders, specialist banks and private credit funds against companies whose registered business is developing buildings (SIC 41100 or 41202). It is the market that refinances development debt at completion and funds the sales period.

Kingston upon Thames: exit-type lending to developers bridging, specialist-bank and private-credit charges on development companies, rolling four quarters
0102030402022 Q42023 Q42024 Q42026 Q2Exit-type charges, rolling 4Q, 2022 Q4: 16Exit-type charges, rolling 4Q, 2023 Q1: 21Exit-type charges, rolling 4Q, 2023 Q2: 22Exit-type charges, rolling 4Q, 2023 Q3: 18Exit-type charges, rolling 4Q, 2023 Q4: 20Exit-type charges, rolling 4Q, 2024 Q1: 14Exit-type charges, rolling 4Q, 2024 Q2: 14Exit-type charges, rolling 4Q, 2024 Q3: 17Exit-type charges, rolling 4Q, 2024 Q4: 14Exit-type charges, rolling 4Q, 2025 Q1: 14Exit-type charges, rolling 4Q, 2025 Q2: 11Exit-type charges, rolling 4Q, 2025 Q3: 10Exit-type charges, rolling 4Q, 2025 Q4: 10Exit-type charges, rolling 4Q, 2026 Q1: 17Exit-type charges, rolling 4Q, 2026 Q2: 20Charges 20

Companies House charge register, Construction Capital analysis

Companies House · lender categories

Who is lending in Kingston upon Thames

Across all 469 charges registered against property in Kingston upon Thames over the year, specialist lenders held 91.0% of those we can match to a lender type, against 88.4% nationally. Specialists do 3 points more of the lending here than nationally.

Lenders are grouped by category from the Construction Capital lender register and never named.

Who holds the charges: lender categories share of register-matched property charges, 12 months to June 2026
Specialist and challenger banksBridging lendersHigh-street banksDevelopment lenders, funds and other
KingstonKingston, Specialist and challenger banks: 48.9%49%Kingston, Bridging lenders: 41.5%42%Kingston, High-street banks: 8.8%9%Kingston, Development lenders, funds and other: 0.8%E and WE and W, Specialist and challenger banks: 60.5%61%E and W, Bridging lenders: 27.5%28%E and W, High-street banks: 11.5%12%E and W, Development lenders, funds and other: 0.5%

Companies House charge register, Construction Capital analysis

Land Registry · sales

How quickly new homes are selling

New-build completions registered in Kingston upon Thames came to 21 over the latest settled year (to July 2025), down 57.1% from 49. That is 1.0% of the market, against a national 8.3%.

Too few new-build sales of each type to publish a price premium.

Across the whole market, 1,931 homes changed hands in the 12 months to January 2026, down 0.1% on the year before.

Land Registry registers new-build plot sales up to a year after completion, so new-build figures use the latest settled 12 months. Prices are transaction-sample medians, not a like-for-like index.

Kingston upon Thames: new-build sales registered by half-year; faded bars sit inside the registration lag and will rise
0100200300400New-build sales, 2022 H1: 992022 H1New-build sales, 2022 H2: 2032022 H2New-build sales, 2023 H1: 2142023 H1New-build sales, 2023 H2: 372023 H2New-build sales, 2024 H1: 212024 H1New-build sales, 2024 H2: 182024 H2New-build sales, 2025 H1: 62025 H1New-build sales, 2025 H2: 2 (censored by registration lag)2025 H2New-build sales, 2026 H1: 0 (censored by registration lag)2026 H1

HM Land Registry Price Paid Data, Construction Capital analysis

Planning · pipeline

The next wave of schemes needing an exit

The approved pipeline in Kingston upon Thames: 233 residential consents in the latest 12-month window (82 other relevant, 43 conversion, 34 new build), plus 72 pending.

At least 236 homes are consented, counting only the 79 approvals that state a number.

Residential applications from council planning portals over each council's latest 12-month window. Unit counts are only stated on some applications, so unit totals are a floor.

Companies House · registrations

New developer companies

223 new development and property companies registered in Kingston upon Thames in the year to June 2026 (+11.5%), 96 of them as developers.

H1 2026 brought 108 against 108 in H1 2025.

Companies registered with SIC 41100, 41202 or 68100, placed by registered office. The register lists live companies only, so earlier periods lose companies since dissolved.

Benchmark

Kingston upon Thames against England and Wales

MeasureKingston upon ThamesChangeEngland and WalesChange
New development charges, 12 months41+70.8%9,544+11.7%
Development charges satisfied, 12 months4-81%3,785+21.1%
Live development book at 30 June 202614341,855
Share of live book over 24 months old55.9%60.6%
Exit-type lending to developers, 12 months20+81.8%5,241+3.4%
New-build sales, settled 12 months21-57.1%68,506-6.1%
New-build share of sales, settled 12 months1.0%8.3%
New developer and property companies, 12 months223+11.5%61,275+7%
What it means

What this means for developers exiting in Kingston upon Thames

Reading the signals as a set: new development lending, exit-type lending, new companies are up, while loan repayments, new-build sales are down.

A younger book means fewer schemes in distress, but a wave of completions to come. Lining up exit terms before practical completion keeps options open.

Slower new-build sales stretch the time between completion and the last sale, which is the gap exit finance is designed to cover.

Terms depend on the scheme, the sales evidence and the developer, and no finance is guaranteed. We are a finance broker, not a lender. Development exit finance for companies is unregulated lending.

Read how a development exit loan is sized, or compare the national picture in the Development Exit Demand Tracker. Local market detail sits on our development exit finance in Kingston upon Thames page.

Methodology and sources

Companies House charges (security instruments, not loans: no amounts, LTVs or rates). Development lending = charges held by specialist development lenders, or by development-active mixed lenders where the borrower carries SIC 41100/41202, the charge wording names development land or a site, or the borrower is a newly incorporated (within 12 months) SIC 68100 company with no buy-to-let SIC (the same rule as the national Development Exit Demand Tracker). Exit-type lending to developers = charges registered by bridging, specialist-bank and private-credit (funder) lenders against companies carrying SIC 41100/41202. A charge is placed by its charged-property postcode, or failing that the borrower's registered office. 'Satisfied' is the filed repayment of a charge: the exit. Exit refinance events are new charges registered on the same title after a specialist development lender's charge was repaid or released (charge stacks, same-group and same-company pairs excluded). Satisfactions are filed late, so the most recent six months are provisional and will rise. Lender categories come from the Construction Capital lender register; lenders are never named.

Land Registry registers new-build plot sales up to a year after completion, so new-build counts, shares and premiums are read only over the settled 12 months ending a year before the data vintage (settled12m) and compared with the 12 months before that. New-build figures in the most recent windows are incomplete and are not used for any headline. HMLR Price Paid, standard (category A) residential sales (detached, semi, terraced, flat) in the location's local authorities. New-build premium compares the median new-build price with the median existing-stock price within flats and within houses; it is a transaction-sample median, not a constant-quality index. Registrations lag completions by weeks to months, so the most recent months (and new-build plots especially) understate final counts; trailing-12-month figures are the steadier read.

Residential planning applications (new build, conversion, prior approval, mixed use, HMO, demolition and rebuild) from the Construction Capital council-portal scrapes, one record set per authority, over each council's rolling 12-month scrape window. Unit counts are stated only on some applications, so totals undercount. Councils not yet scraped are listed as missing, never estimated.

New companies with SIC 41100, 41202 or 68100 by registered-office postcode. The register snapshot holds live companies only, so earlier windows lose companies since dissolved; read year-on-year change as indicative.

Data vintage: charges registered to 2026-07-31, satisfactions filed to 2026-08-03, company register snapshot 2026-08-01, Land Registry transactions to 2026-07-31. Area covered: Kingston Upon Thames (local authority boundaries). Minimum sample 30. 23 cuts suppressed for sample size.

Sources: Companies House charge register, Construction Capital analysis; HM Land Registry Price Paid Data, Construction Capital analysis; Council planning portals, Construction Capital planning scrape. Contains HM Land Registry data © Crown copyright and database right 2026, licensed under the Open Government Licence v3.0. Companies House data is public and reused under the Open Government Licence.

You are welcome to cite or chart these figures with a link to this page.

FAQ

Development exit in Kingston upon Thames: common questions

How many developers borrowed in Kingston upon Thames last year?

30 development companies registered 41 charges to development lenders in the 12 months to June 2026, and 4 development loans were filed as repaid over the same period.

Are development schemes in Kingston upon Thames overrunning?

At 30 June 2026, 55.9% of live development charges in Kingston upon Thames were over 24 months old (England and Wales: 60.6%). Charges that old usually sit on schemes past their original term.

What is development exit finance?

A short-term loan taken at or near practical completion. It repays the development lender and funds the sales or letting period, often at a lower rate than the development loan it replaces, and can release equity for the next scheme. Our development exit finance page covers how it is sized and priced.

Where does this data come from?

Companies House charges and company registrations, HM Land Registry Price Paid Data and council planning portals, all analysed by Construction Capital. Figures below the minimum sample of 30 are suppressed, and lenders are grouped into categories rather than named.

Completing a scheme in Kingston upon Thames?

Send us the scheme, the current facility and the sales position and we will give a view on the exit options and indicative terms.