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Cambridge, Cambridgeshire
Bridging Finance
in Cambridge
Expert bridging finance for property developers in Cambridge. We connect you with competitive funding from our panel of 100+ lenders.
Cambridge, Cambridgeshire
Bridging Finance
in Cambridge.
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
Planning pipeline
Planning activity
in Cambridge.
875 approved (last 12 months)
·453 pending
·3,136 units in pipeline·£1496.1M estimated GDV·88% approval rate (last 12 months)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 |
Deal intelligence
Key schemes
in Cambridge.
Indicative appraisals of the largest residential schemes in the Cambridge planning pipeline (all currently awaiting decision). These 3 schemes represent an estimated £610.8M in combined GDV across 1,074 units, with indicative capital stacks for each.
Major Residential Development Awaiting decision
Land North Of Cambridge North Station Milton Avenue Cambridge Cambridgeshire CB4 0AE
£241.7M
Estimated GDV
Units
425
GDV / Unit
£569k
Build Cost (Range)
£60.7M–£76.6M
Residual Land Value
£82.7M
GDV estimated from the HM Land Registry blended median of £483,995 plus a 17.5% new-build premium (measured locally). At benchmark build costs, the implied residual land value is £82,667,000 (£195k/unit) after a 17.5% developer profit target. Calculate GDV
| Gross Development Value | £241.7M |
| Construction (28,900 sqm @ £2,380/sqm mid) | −£68.8M |
| Externals, fees & contingency | −£20.2M |
| Finance (65% LTGDV, 24m) & sales costs | −£27.7M |
| Developer profit target (17.5% on GDV) | −£42.3M |
| Implied residual land value | £82.7M |
Broker insight: A scheme of this scale would typically attract competitive senior development finance at 60-65% LTGDV with mezzanine stretching to 85% LTGDV. Phased drawdowns reduce interest costs. Consider development exit finance to manage sales at your pace.
Major Residential Development Awaiting decision
Northstowe Phase 2C Rampton Drift Longstanton Cambridgeshire
£232.6M
Estimated GDV
Units
409
GDV / Unit
£569k
Build Cost (Range)
£58.4M–£73.7M
Residual Land Value
£79.6M
GDV estimated from the HM Land Registry blended median of £483,995 plus a 17.5% new-build premium (measured locally). At benchmark build costs, the implied residual land value is £79,555,000 (£195k/unit) after a 17.5% developer profit target. Calculate GDV
| Gross Development Value | £232.6M |
| Construction (27,812 sqm @ £2,380/sqm mid) | −£66.2M |
| Externals, fees & contingency | −£19.4M |
| Finance (65% LTGDV, 24m) & sales costs | −£26.7M |
| Developer profit target (17.5% on GDV) | −£40.7M |
| Implied residual land value | £79.6M |
Broker insight: A scheme of this scale would typically attract competitive senior development finance at 60-65% LTGDV with mezzanine stretching to 85% LTGDV. Phased drawdowns reduce interest costs. Consider development exit finance to manage sales at your pace.
Major Residential Development Awaiting decision
NIAB Darwin Green 1 Development Huntingdon Road Cambridge Cambridgeshire
£136.5M
Estimated GDV
Units
240
GDV / Unit
£569k
Build Cost (Range)
£34.3M–£43.2M
Residual Land Value
£46.7M
GDV estimated from the HM Land Registry blended median of £483,995 plus a 17.5% new-build premium (measured locally). At benchmark build costs, the implied residual land value is £46,683,000 (£195k/unit) after a 17.5% developer profit target. Calculate GDV
| Gross Development Value | £136.5M |
| Construction (16,320 sqm @ £2,380/sqm mid) | −£38.8M |
| Externals, fees & contingency | −£11.4M |
| Finance (65% LTGDV, 24m) & sales costs | −£15.7M |
| Developer profit target (17.5% on GDV) | −£23.9M |
| Implied residual land value | £46.7M |
Broker insight: A scheme of this scale would typically attract competitive senior development finance at 60-65% LTGDV with mezzanine stretching to 85% LTGDV. Phased drawdowns reduce interest costs. Consider development exit finance to manage sales at your pace.
Appraisal assumptions
- GDV: HM Land Registry blended median of £483,995 plus a 17.5% new-build premium (measured locally).
- Build cost: £2,100-£2,650/sqm (new build, indicative range informed by BCIS regional tender-price data, 2025/26) × 68 sqm/unit (NDSS-derived).
- On-costs: externals 12.5%, professional fees 10%, contingency 5%, sales & legals 3.5000000000000004% of GDV. Excludes CIL/Section 106, which vary by charging schedule and scheme.
- Finance: senior facility at 65% LTGDV, 8.5% pa on an average 57.49999999999999% drawdown over 24 months, plus 2.5% arrangement and exit fees.
- Residual land value assumes the industry-standard 17.5% developer profit-on-GDV target. Indicative appraisal, not a valuation or lending offer.
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 |
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.
Indicative terms
Bridging Finance rates
for Cambridge deals.
Typical pricing for bridging finance in Cambridge. Actual terms depend on GDV, leverage, location and your experience — the numbers below are where most structured deals land.
Interest Rate
From 6.5% p.a.
Loan to Value
Up to 70% LTGDV
Typical Term
12-24 months
Arrangement Fee
1-2% of facility
Indicative only, subject to individual assessment. Actual terms issued against a completed Deal Room submission.
Representative deal
Example bridging finance
structure.
Illustrative 9-Unit Scheme, Cambridge
An indicative appraisal for a nine-unit residential scheme priced at Cambridge's own HM Land Registry medians with the locally measured new-build premium applied. Build costs use the regional £/sqm benchmark; every figure updates with the underlying market data.
GDV
£5,790,000
Loan Amount
£3,764,000
LTV
65% LTGDV
Loan Type
Bridging Finance
Representative only. Actual terms vary based on scheme specifics and are issued after underwriting.
Common questions
Bridging Finance in Cambridge
— answered.
How active is the development pipeline in Cambridge?
The Greater Cambridge Shared Planning planning register currently shows 453 residential applications awaiting decision in Cambridge, together proposing 1,587 units — the largest single scheme proposes 240 units. An active pipeline signals both developer confidence in local demand and lender familiarity with the market, which typically translates into more competitive finance terms.
Market intelligence
Local market
reports.
5 min read
Cambridge Property Market: House Prices, Sold Data & Development Finance, Q3 2026 Edition
Median price £483,995, 1,391 sales, -1.2% YoY. Cambridgeshire county.
6 min read
Cambridgeshire Property Market: Prices, Trends & Development Finance, Q3 2026 Edition
8 towns analysed. Median price £311,749, 9,383 transactions, -2% YoY.
Ready when you are
Tell us the deal.
We’ll recommend the structure.
Submit your Bridging 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.
Where we fund
Cambridge,
Cambridgeshire.
Adjacent products
Other services
in Cambridge.
Development Finance
From 6.5% p.a. · Up to 65-70% LTGDV
Mezzanine Finance
From 12% p.a. · Up to 85-90% LTGDV
Bridging Loans
From 0.55% p.m. · Up to 75% LTV
Equity & Joint Ventures
Profit share from 40% · Up to 100% of costs
Refurbishment Finance
From 0.65% p.m. · Up to 75% LTV
Commercial Mortgages
From 5.5% p.a. · Up to 75% LTV
Development Exit Finance
From 0.55% p.m. · Up to 75% LTV
Nearby markets