- Home
- Locations
- Cambridgeshire
- Cambridge
Cambridgeshire
Cambridge
development finance.
Expert property development finance in Cambridge, Cambridgeshire. Median price £483,995, 1,391 annual sales. We connect developers with competitive funding from 100+ lenders.
- Median price
- £484k
- Sales (12m)
- 1,391
- YoY change
- -1.2%
Cambridge, Cambridgeshire
Property finance
in Cambridge.
Cambridge - world-class university city with severe undersupply, biotech-driven demand, and premium residential values. With a median property price of £483,995 and 1,391 transactions in the last twelve months, Cambridge represents a healthy market with prices down 1.2% year-on-year.
Detached homes command a median of £810,000 while flats average £330,000, reflecting the breadth of Cambridge's residential market. New-build activity is notable, with 46 new-build transactions recorded over the past year - a signal of active development demand.
Whether you need development finance for a ground-up scheme, bridging finance to secure a site at auction, or mezzanine finance to stretch your capital stack, our brokers arrange the full range of property finance across Cambridge and the wider Cambridgeshire area. Each deal is structured around your specific project, with terms negotiated from our panel of over 100 lenders.
The capital stack
Seven funding routes for
every Cambridge scheme.
Senior debt, mezzanine, bridging, equity, refurbishment, commercial mortgages and exit finance — arranged for Cambridge developers on the deal, not the product sheet.
Development Finance
Senior debt funding for ground-up residential and commercial developments.
Mezzanine Finance
Stretch your capital stack beyond senior debt to reduce equity requirements.
Bridging Loans
Short-term finance for acquisitions, auction purchases and time-sensitive deals.
Equity & Joint Ventures
Equity partnerships and JV structures for developers seeking capital partners.
Refurbishment Finance
Funding for light and heavy refurbishment projects including conversions.
Commercial Mortgages
Long-term finance for commercial property acquisition and refinancing.
Development Exit Finance
Short-term funding to repay development finance while you sell completed units.
Live market data
Cambridge
market snapshot.
HM Land Registry sold-price data for Cambridge over the last twelve months, alongside the live local planning pipeline. Updated weekly.
- Median price
- £483,995
- Sales (12m)
- 1,391
- YoY change
- -1.2%
- Approved (recent)
- 875
- Pipeline units
- 3,136
- Pipeline GDV
- £1496.1M
Cambridge development appraisal
Model the numbers
for your scheme.
Pre-populated with Cambridge median prices and typical senior-debt pricing. Adjust the inputs to match your deal and we will hand the working assumptions through to the Deal Room.
Scheme Inputs
Pre-populated with Cambridge median prices. Adjust to match your scheme.
Build cost pre-filled at £2,380/sqm (regional benchmark) for a 6-unit scheme. Assumes 10% professional fees, 10% contingency, 65% LTGDV senior debt, 18-month term. Full calculator →
Capital Structure
Local market data
The Cambridge
property development market.
Avg. Property Price
£500,000
Population
145,000
Rental Yield Range
3.5-5.0%
Planning Authority
Cambridge City Council / South Cambridgeshire
Market Overview
Cambridge's tech and biotech sectors make it one of the UK's strongest micro-markets for residential development. Extreme supply constraints within the city push values to near-London levels, while new strategic developments at Eddington and around Cambridge North station are creating volume residential opportunities. The planned Cambridge South station will unlock the biomedical campus area for residential development.
Development Hotspots
- Cambridge North station quarter
- Eddington (North West Cambridge)
- Cambridge Biomedical Campus expansion
- Cambridge South station (planned)
Demand Drivers
- Global tech and biotech employment cluster
- University of Cambridge ecosystem
- Extreme housing supply constraints
- Oxford-Cambridge Arc government investment
Planning Obligations
Community Infrastructure Levy
£150/sqm for residential in the city, varies in South Cambridgeshire
Section 106 / Affordable Housing
40% affordable housing on major schemes - one of the highest requirements in England. Viability is less often contested given Cambridge's premium values.
Conservation Areas
Development within conservation areas requires additional planning considerations including materials, design, and demolition controls.
- Cambridge City Centre (extensive - covers most of the historic core)
- Newnham
- West Cambridge
Lender Appetite in Cambridge
Very strong appetite from all lender types. Cambridge's global brand and tech economy make it one of the most bankable development locations in the UK. Banks, institutional lenders, and family offices all compete for Cambridge deals. Limited available sites mean schemes rarely struggle for funding.
Land Registry data
Recent property sales
in Cambridge.
1,391 residential transactions in the last twelve months. Median sold price £483,995 (-1.2% YoY). 46 new-build transactions with a +17.5% premium over existing stock.
Detached
£810,000
Semi-Detached
£547,500
Terraced
£490,000
Flat
£330,000
| Date | Address | Type | Price | Tenure |
|---|---|---|---|---|
| 28 Jul 2026 | 16, PATAGONIA WAYCB3 0UP | Flat | £385,000 | Leasehold |
| 27 Jul 2026 | 4, ELSWORTH PLACECB2 8RG | Terraced | £640,000 | Freehold |
| 27 Jul 2026 | FLAT 8, GREENWAY HOUSE, OTTER CLOSECB2 9EF | Flat | £305,000 | Leasehold |
| 24 Jul 2026 | 35, FULBOURN ROADCB1 9JL | Semi-Detached | £447,250 | Freehold |
| 24 Jul 2026 | 72, DITTON WALKCB5 8QE | Terraced | £525,000 | Freehold |
| 23 Jul 2026 | 3, FULBOURN OLD DRIFTCB1 9ND | Semi-Detached | £481,000 | Freehold |
| 23 Jul 2026 | 85, FITZGERALD PLACECB4 1WA | Flat | £550,000 | Leasehold |
| 23 Jul 2026 | TOP FLOOR FLAT, 171, VICTORIA ROADCB4 3BU | Flat | £250,500 | Leasehold |
| 23 Jul 2026 | 132, CROMWELL ROADCB1 3EG | Terraced | £502,000 | Freehold |
| 20 Jul 2026 | 4, REGENCY SQUARECB1 3WL | Flat | £300,000 | Leasehold |
Planning pipeline
Planning activity
in Cambridge.
Recently Approved
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| 25/03790/LBC | Handrails and guardrails to staircases F, G, H, K, Organ Loft and Masters Lodge Christs College St Andrews Street Cambridge Cambridgeshire CB2 3BU | - | - | Pending | 30/09/2025 |
| 25/03798/FUL | Erection of three detached self-/custom-build dwellings with associated vehicula… 70 Lambs Lane Cottenham Cambridgeshire CB24 8TA | - | - | Pending | 09/10/2025 |
| 25/03799/LBC | Change of use of Rooms 004a and 004b of Building 72 to a changing place toilet f… Building 72 Imperial War Museum Royston Road Duxford Cambridgeshire CB22 4QR | - | - | Pending | 08/10/2025 |
| 25/03792/FUL | Replacement of tarmac to the King Street car park area of Sidney Sussex college,… Blundell Court Sidney Sussex College Sidney Street Cambridge Cambridgeshire | - | - | Pending | 30/09/2025 |
| 25/03795/FUL | Addition of 8no awnings. 50 Fishers Lane Orwell Cambridgeshire SG8 5QX | - | - | Pending | 15/10/2025 |
Current Applications
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| 26/03644/FUL | Creation of one Gypsy pitch comprising 2 mobile homes, 2 touring caravans, and a… Land North East Of Longacre Meadow Road Willingham Cambridgeshire | - | - | Pending | 24/09/2026 |
| 26/03645/FUL | Change of use to a Gypsy/Traveller site comprising 3 pitches, including 1x mobil… Land At Earith Road Willingham Cambridgeshire CB24 5LT | 1 | £483,995 | Pending | 24/09/2026 |
| 26/03639/FUL | Creation of a new access from the Highway together with associated works and inf… Chilford Hall, The Lodge Balsham Road Linton Cambridgeshire CB21 4LE | - | - | Pending | 24/09/2026 |
| 26/03640/FUL | Replacement of timber cladding. The Oak Building Kingfisher Way Cambridge Cambridgeshire CB2 8DA | - | - | Pending | 24/09/2026 |
| 26/03642/FUL | Demolition of the existing single-storey dwelling and associated outbuildings an… 171 St Neots Road Hardwick Cambridgeshire CB23 7QJ | 4 | £3.2M | Pending | 24/09/2026 |
Source: HM Land Registry price paid data, 12 months to September 2026 · Greater Cambridge Shared Planning planning register, retrieved September 2026. Contains HM Land Registry data © Crown copyright and database right, licensed under the Open Government Licence v3.0.
Common questions
Property finance in Cambridge
— answered.
What is the average property price in Cambridge?
Is Cambridge a good area for property development?
What types of property finance are available in Cambridge?
How do I apply for development finance in Cambridge?
What are typical development finance rates in Cambridge?
Expert guides
Further reading
on development finance.
How Much Do Section 106 and CIL Cost? A Developer's Cost Guide
10 min read readFinding Comparable Evidence for GDV: Sources and Methodology
11 min read readCIL and Section 106: Legal Triggers, Payment Timing and Lenders
11 min read readGreen and Sustainable Development Finance: ESG Lending in the UK
9 min read readWhere we fund
Cambridge,
Cambridgeshire.
Nearby markets
Adjacent towns
we also fund.
Peterborough
Median · £235,000
Northern gateway city with significant growth agenda and affordable development land
Huntingdon
Median · £313,498
A1/A14 hub town with Alconbury Weald enterprise campus and 6,500 new homes planned
St Neots
Median · £315,500
Huntingdonshire market town with fast London services and Loves Farm expansion
Ely
Median · £335,000
Cathedral city with premium values, Cambridge commuter demand, and heritage character
March
Median · £235,000
Fenland market town with affordable values and growing residential demand
Wisbech
Median · £205,000
Fenland town with Garden Town aspirations and significant regeneration plans
Ready when you are
Tell us the deal.
We’ll recommend the structure.
Submit your development finance enquiry in Cambridge and a partner will come back with an initial structure and indicative terms within one working day. No forms-for-forms’-sake — a short note on the scheme is enough.