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Cambridgeshire

Ely
development finance.

Expert property development finance in Ely, Cambridgeshire. Median price £339,000, 871 annual sales. We connect developers with competitive funding from 100+ lenders.

Start a Ely dealOr call +44 20 3816 3693
Median price
£339k
Sales (12m)
871
YoY change
-0.3%
Cambridge University college and grounds

Ely, Cambridgeshire

Property finance
in Ely.

Ely - cathedral city with premium values, Cambridge commuter demand, and heritage character. With a median property price of £339,000 and 871 transactions in the last twelve months, Ely represents a steady market with prices down 0.3% year-on-year.

Detached homes command a median of £472,000 while flats average £160,000, reflecting the breadth of Ely's residential market. New-build activity is notable, with 16 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 Ely and the wider Cambridgeshire area. Each deal is structured around your specific project, with terms negotiated from our panel of over 100 lenders.

Ely Property Market ReportCambridgeshire County Market Report

The capital stack

Seven funding routes for
every Ely scheme.

Senior debt, mezzanine, bridging, equity, refurbishment, commercial mortgages and exit finance — arranged for Ely developers on the deal, not the product sheet.

Development Finance

Senior debt funding for ground-up residential and commercial developments.

From 6.5% p.a.Up to 65-70% LTGDV
Development Finance in Ely

Mezzanine Finance

Stretch your capital stack beyond senior debt to reduce equity requirements.

From 12% p.a.Up to 85-90% LTGDV
Mezzanine Finance in Ely

Bridging Loans

Short-term finance for acquisitions, auction purchases and time-sensitive deals.

From 0.55% p.m.Up to 75% LTV
Bridging Loans in Ely

Equity & Joint Ventures

Equity partnerships and JV structures for developers seeking capital partners.

Profit share from 40%Up to 100% of costs
Equity & Joint Ventures in Ely

Refurbishment Finance

Funding for light and heavy refurbishment projects including conversions.

From 0.65% p.m.Up to 75% LTV
Refurbishment Finance in Ely

Commercial Mortgages

Long-term finance for commercial property acquisition and refinancing.

From 5.5% p.a.Up to 75% LTV
Commercial Mortgages in Ely

Development Exit Finance

Short-term funding to repay development finance while you sell completed units.

From 0.55% p.m.Up to 75% LTV
Development Exit Finance in Ely

Live market data

Ely
market snapshot.

HM Land Registry sold-price data for Ely over the last twelve months, cross-referenced with local planning pipeline. Updated weekly.

Median price
£339,000
Sales (12m)
871
YoY change
-0.3%

Ely development appraisal

Model the numbers
for your scheme.

Pre-populated with Ely 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 Ely median prices. Adjust to match your scheme.

£
£
£
%

Assumes 10% professional fees, 10% contingency, 65% LTGDV senior debt, 18-month term. Full calculator →

Capital Structure

Total Cost£1,314,000
Senior Debt (65% LTGDV)£1,170,000
Equity Required£144,000
Interest (18m)£131,625
Profit on Cost24.5%
Senior Debt£1,170,000
Equity£144,000
Get Terms for This Scheme

Land Registry data

Recent property sales
in Ely.

871 residential transactions in the last twelve months. Median sold price £339,000 (-0.3% YoY). 16 new-build transactions with a +11.1% premium over existing stock.

Detached

£472,000

Semi-Detached

£300,000

Terraced

£275,750

Flat

£160,000

DateAddressTypePrice
24 Apr 20267, SPRING LANECB25 9BLSemi-Detached£425,000
24 Apr 202616, RAILWAY CLOSECB25 0DWFlat£59,201
24 Apr 202622, HIGH STREETCB6 2LQDetached£775,000
20 Apr 202613, ANGLE COMMONCB7 5HXSemi-Detached£452,500
17 Apr 202611, JERSEY WAYCB6 1GFTerraced£110,373
17 Apr 202624, BROOK DAM LANECB7 5HZFlat£124,000
16 Apr 2026196, COLUMBINE ROADCB6 3WPDetached£358,000
10 Apr 202647, TOWER COURTCB7 4XSFlat£155,000
10 Apr 202611, ABBOT THURSTON AVENUECB6 1BPSemi-Detached£228,000
8 Apr 2026FLAT 8, 11, CLARKES LANECB6 3QAFlat£162,500

Common questions

Property finance in Ely
— answered.

What is the average property price in Ely?
The median property price in Ely is £339,000, based on Land Registry transactions over the past 12 months. Broken down by type: detached homes at £472,000, semi-detached properties at £300,000, terraced houses at £275,750, flats at £160,000.
Is Ely a good area for property development?
Ely recorded 871 property transactions in the last 12 months, with prices adjusting 0.3% year-on-year - creating potential value opportunities for developers. Cathedral city with premium values, Cambridge commuter demand, and heritage character. Active transaction volumes indicate a liquid market where completed developments can achieve timely sales.
What types of property finance are available in Ely?
We arrange the full range of property development finance in Ely: development finance for ground-up schemes, bridging loans for auction purchases and chain breaks, mezzanine finance to stretch your capital stack, refurbishment finance for conversion projects, commercial mortgages for income-producing assets, equity and joint ventures for larger schemes, and development exit finance for completed projects awaiting sales.
How do I apply for development finance in Ely?
Start by submitting your deal through our Deal Room with your project details - site address, purchase price, build costs, and expected end value. Our team will review your scheme, model the funding structure, and present you with terms from our panel of over 100 lenders within 48 hours. There's no upfront fee and no obligation until you choose to proceed.
What are typical development finance rates in Ely?
Development finance rates for Ely projects typically range from 7-11% per annum, depending on scheme size, developer experience, and leverage. For a scheme with a GDV of around £1.8M, you could expect senior debt at 60-70% of GDV with rates from 7.5%. Arrangement fees are usually 1-2% of the facility. We negotiate the best available terms from our lender panel for each deal.

Expert guides

Further reading
on development finance.

Section 106 and CIL: Planning Costs That Affect Your Development Finance

10 min read read

Finding Comparable Evidence for GDV: Sources and Methodology

11 min read read

CIL and Section 106 Obligations: Planning Levies in Development Finance

10 min read read

Green and Sustainable Development Finance: ESG Lending in the UK

10 min read read
View all guides

Where we fund

Ely,
Cambridgeshire.

Nearby markets

Adjacent towns
we also fund.

Cambridge

Median · £485,000

World-class university city with severe undersupply, biotech-driven demand, and premium residential values

Peterborough

Median · £235,000

Northern gateway city with significant growth agenda and affordable development land

Huntingdon

Median · £308,000

A1/A14 hub town with Alconbury Weald enterprise campus and 6,500 new homes planned

St Neots

Median · £315,000

Huntingdonshire market town with fast London services and Loves Farm expansion

March

Median · £235,000

Fenland market town with affordable values and growing residential demand

Wisbech

Median · £207,500

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 Ely 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.

Enter the Deal RoomOr call +44 20 3816 3693