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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
- £480,000
- Sales (12m)
- 937
- YoY change
- -2%
- Pipeline units
- 4,670
- Pipeline GDV
- £2207.7M
Planning pipeline
Planning activity
in Cambridge.
324 residential applications awaiting decision
·1,026 units in pipeline·£492.1M estimated GDVCurrent Applications
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| 26/03078/FUL | Construction of a new water treatment building and modifications to access onto … Kingston Pumping Station Kingston Road Cambridgeshire Great Eversden CB23 1HT | - | - | Pending | 13/08/2026 |
| 26/03079/S73 | S73 to vary condition 2 (approved drawings) of planning permission 25/04955/HFUL… 33 Springfield Road Sawston Cambridgeshire CB22 3HX | - | - | Pending | 13/08/2026 |
| 26/03072/LBC | Repainting of the external faces of the existing painted timber window joinery f… 82 High Street Coton Cambridgeshire CB23 7PL | - | - | Pending | 13/08/2026 |
| 26/03080/S73 | S73 to vary condition 2 (Floodlights) of planning permission S/1171/01/F (Variat… Jubilee Playing Fields Alms Hill Bourn Cambridgeshire | - | - | Pending | 13/08/2026 |
| 26/03077/LBC | Installation of 1 No. externally illuminated projecting sign, 5 No. non illumina… 2 High Street Great Shelford Cambridgeshire CB22 5EH | - | - | Pending | 13/08/2026 |
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 £361.2M in combined GDV across 656 units, with indicative capital stacks for each.
Major Residential Development Awaiting decision
Parcels 8.1, 8.2
£152.0M
Estimated GDV
Units
276
GDV / Unit
£551k
Build Cost (Range)
£39.4M–£49.7M
Residual Land Value
£50.1M
GDV estimated from the HM Land Registry blended median of £480,000 plus a 14.7% new-build premium (measured locally). At benchmark build costs, the implied residual land value is £50,131,000 (£182k/unit) after a 17.5% developer profit target. Calculate GDV
| Gross Development Value | £152.0M |
| Construction (18,768 sqm @ £2,380/sqm mid) | −£44.7M |
| Externals, fees & contingency | −£13.1M |
| Finance (65% LTGDV, 24m) & sales costs | −£17.4M |
| Developer profit target (17.5% on GDV) | −£26.6M |
| Implied residual land value | £50.1M |
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
£132.1M
Estimated GDV
Units
240
GDV / Unit
£551k
Build Cost (Range)
£34.3M–£43.2M
Residual Land Value
£43.6M
GDV estimated from the HM Land Registry blended median of £480,000 plus a 14.7% new-build premium (measured locally). At benchmark build costs, the implied residual land value is £43,592,000 (£182k/unit) after a 17.5% developer profit target. Calculate GDV
| Gross Development Value | £132.1M |
| Construction (16,320 sqm @ £2,380/sqm mid) | −£38.8M |
| Externals, fees & contingency | −£11.4M |
| Finance (65% LTGDV, 24m) & sales costs | −£15.2M |
| Developer profit target (17.5% on GDV) | −£23.1M |
| Implied residual land value | £43.6M |
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
Street Record High Street Hauxton Cambridgeshire
£77.1M
Estimated GDV
Units
140
GDV / Unit
£551k
Build Cost (Range)
£20.0M–£25.2M
Residual Land Value
£25.4M
GDV estimated from the HM Land Registry blended median of £480,000 plus a 14.7% new-build premium (measured locally). At benchmark build costs, the implied residual land value is £25,427,000 (£182k/unit) after a 17.5% developer profit target. Calculate GDV
| Gross Development Value | £77.1M |
| Construction (9,520 sqm @ £2,380/sqm mid) | −£22.7M |
| Externals, fees & contingency | −£6.7M |
| Finance (65% LTGDV, 24m) & sales costs | −£8.8M |
| Developer profit target (17.5% on GDV) | −£13.5M |
| Implied residual land value | £25.4M |
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 £480,000 plus a 14.7% 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.
937 residential transactions in the last twelve months. Median sold price £480,000 (-2% YoY). 9 new-build transactions with a +14.7% premium over existing stock.
Detached
£820,000
Semi-Detached
£550,000
Terraced
£492,500
Flat
£314,000
| Date | Address | Type | Price | Tenure |
|---|---|---|---|---|
| 26 Jun 2026 | 1A, GWYDIR STREETCB1 2LG | Terraced | £620,000 | Freehold |
| 25 Jun 2026 | 41, JAMES STREETCB1 1HX | Terraced | £803,000 | Freehold |
| 25 Jun 2026 | 17, TWICKENHAM COURTCB4 2HX | Flat | £223,000 | Leasehold |
| 19 Jun 2026 | 59, GLEBE FARM DRIVECB2 9PB | Terraced | £575,000 | Freehold |
| 17 Jun 2026 | 39, HOWARD ROADCB5 8QT | Flat | £290,000 | Leasehold |
| 17 Jun 2026 | 4, LAVENDER ROADCB4 2PU | Terraced | £410,000 | Freehold |
| 16 Jun 2026 | 22, GUNNING WAYCB4 3SQ | Semi-Detached | £535,000 | Freehold |
| 15 Jun 2026 | 23, EARL STREETCB1 1JR | Terraced | £1,100,000 | Freehold |
| 15 Jun 2026 | 76, MALVERN ROADCB1 9LD | Terraced | £433,000 | Freehold |
| 15 Jun 2026 | 83, ALEX WOOD ROADCB4 2EG | Terraced | £382,500 | Freehold |
Source: HM Land Registry price paid data, 12 months to August 2026 · Greater Cambridge Shared Planning planning register, retrieved August 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
£5,678,000
Loan Amount
£3,691,000
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 324 residential applications awaiting decision in Cambridge, together proposing 1,026 units — the largest single scheme proposes 276 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, End of H1 2026
Median price £485,000, 1,003 sales, -1% YoY. Cambridgeshire county.
5 min read
Cambridgeshire Property Market: Prices, Trends & Development Finance, End of H1 2026
8 towns analysed. Median price £302,750, 6,468 transactions, -2.2% 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