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Ely, Cambridgeshire
Bridging Finance
in Ely
Expert bridging finance for property developers in Ely. We connect you with competitive funding from our panel of 100+ lenders.
Ely, Cambridgeshire
Bridging Finance
in Ely.
Live market data
Ely
market snapshot.
HM Land Registry sold-price data for Ely over the last twelve months, alongside the live local planning pipeline. Updated weekly.
- Median price
- £335,000
- Sales (12m)
- 1,322
- YoY change
- -1.5%
- Approved (recent)
- 329
- Pipeline units
- 1,414
- Pipeline GDV
- £471.7M
Planning pipeline
Planning activity
in Ely.
329 approved (last 12 months)
·104 pending
·1,414 units in pipeline·£471.7M estimated GDV·92% approval rate (last 12 months)Recently Approved
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| 25/01061/FUL | Proposed 2 bay carport 24 Lode Way Haddenham Ely Cambridgeshire CB6 3UL | - | - | Pending | 30/09/2025 |
| 25/01050/LBC | Window repairs and refurbishment and installation of double glazing Hambleton House 16 Vicarage Lane Woodditton Newmarket Suffolk CB8 9SG | - | - | Pending | 29/09/2025 |
| 25/01192/FUL | Rear extension, internal alterations and partial garage conversion 5 Mill Lane Fordham Ely Cambridgeshire CB7 5NH | - | - | Pending | 30/10/2025 |
| 25/01185/FUL | New Rural workers dwelling (HOU5) and conversion of existing house to staff and … Brook Farm Dullingham Ley Dullingham Newmarket Suffolk CB8 9XG | 1 | £335,000 | Pending | 29/10/2025 |
| 25/01178/FUL | Change of Use to allow siting of two (11.6m x 5.5m) mobile homes for site living… Land West Of 69 Aldreth Road Haddenham Cambridgeshire | - | - | Pending | 24/10/2025 |
Current Applications
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| 26/01014/FUL | Change of use from one flat to two flats 36 High Street Soham Ely Cambridgeshire CB7 5HE | 1 | £160,000 | Pending | 22/09/2026 |
| 26/01011/LBC | Retention of plyboard sheets in the attic to enable ease of access for use for a… The School House 16A High Street Chippenham Cambridgeshire CB7 5PR | - | - | Pending | 21/09/2026 |
| 25/00362/BNGD | To discharge the Biodiversity Net Gain Condition in relation to decision dated 7… Old Salt Depot 38 Brinkley Road Dullingham Cambridgeshire CB8 9UW | 5 | £1.7M | Pending | 11/09/2026 |
| 26/00976/FUL | Erection of detached surgery building providing four consulting rooms, ancillary… St Marys Surgery 37 St Marys Street Ely Cambridgeshire CB7 4HF | - | - | Pending | 11/09/2026 |
| 26/00984/FUL | Regularise parking arrangements for 6 & 8A Fordham Road Soham which alter from o… Briarwood 6 Fordham Road Soham Ely Cambridgeshire CB7 5AQ | - | - | Pending | 10/09/2026 |
Deal intelligence
Key schemes
in Ely.
Indicative appraisals of the largest residential schemes in the Ely planning pipeline (all currently awaiting decision). These 3 schemes represent an estimated £306.9M in combined GDV across 846 units, with indicative capital stacks for each.
Major Residential Development Awaiting decision
Land Adjacent To Melton Farm Newmarket Road Burwell
£127.0M
Estimated GDV
Units
350
GDV / Unit
£363k
Build Cost (Range)
£50.0M–£63.1M
Residual Land Value
£16.9M
GDV estimated from the HM Land Registry blended median of £335,000 plus a 8.3% new-build premium (measured locally). At benchmark build costs, the implied residual land value is £16,901,000 (£48k/unit) after a 17.5% developer profit target. Calculate GDV
| Gross Development Value | £127.0M |
| Construction (23,800 sqm @ £2,380/sqm mid) | −£56.6M |
| Externals, fees & contingency | −£16.6M |
| Finance (65% LTGDV, 24m) & sales costs | −£14.6M |
| Developer profit target (17.5% on GDV) | −£22.2M |
| Implied residual land value | £16.9M |
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
Land Parcel North And West Of Millfield Primary School Grange Lane Littleport Cambridgeshire
£103.8M
Estimated GDV
Units
286
GDV / Unit
£363k
Build Cost (Range)
£40.8M–£51.5M
Residual Land Value
£13.8M
GDV estimated from the HM Land Registry blended median of £335,000 plus a 8.3% new-build premium (measured locally). At benchmark build costs, the implied residual land value is £13,810,000 (£48k/unit) after a 17.5% developer profit target. Calculate GDV
| Gross Development Value | £103.8M |
| Construction (19,448 sqm @ £2,380/sqm mid) | −£46.3M |
| Externals, fees & contingency | −£13.6M |
| Finance (65% LTGDV, 24m) & sales costs | −£11.9M |
| Developer profit target (17.5% on GDV) | −£18.2M |
| Implied residual land value | £13.8M |
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.
Demolition & New Build Awaiting decision
Downfield Farm Fordham Road Soham Ely Cambridgeshire CB7 5AH
£76.2M
Estimated GDV
Units
210
GDV / Unit
£363k
Build Cost (Range)
£30.0M–£37.8M
Residual Land Value
£10.1M
GDV estimated from the HM Land Registry blended median of £335,000 plus a 8.3% new-build premium (measured locally). At benchmark build costs, the implied residual land value is £10,141,000 (£48k/unit) after a 17.5% developer profit target. Calculate GDV
| Gross Development Value | £76.2M |
| Construction (14,280 sqm @ £2,380/sqm mid) | −£34.0M |
| Externals, fees & contingency | −£10.0M |
| Finance (65% LTGDV, 24m) & sales costs | −£8.7M |
| Developer profit target (17.5% on GDV) | −£13.3M |
| Implied residual land value | £10.1M |
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.
Appraisal assumptions
- GDV: HM Land Registry blended median of £335,000 plus a 8.3% 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 Ely.
1,322 residential transactions in the last twelve months. Median sold price £335,000 (-1.5% YoY). 57 new-build transactions with a +8.3% premium over existing stock.
Detached
£451,250
Semi-Detached
£300,000
Terraced
£272,500
Flat
£160,000
| Date | Address | Type | Price | Tenure |
|---|---|---|---|---|
| 24 Jul 2026 | 15, DUCHESS DRIVECB8 8AG | Semi-Detached | £404,000 | Freehold |
| 23 Jul 2026 | 194, COLUMBINE ROADCB6 3WP | Terraced | £285,000 | Freehold |
| 23 Jul 2026 | 12, LONGCHAMP DRIVECB7 4QS | Detached | £535,000 | Freehold |
| 23 Jul 2026 | 4, BEALD WAYCB6 3DA | Detached | £507,500 | Freehold |
| 23 Jul 2026 | 61, LUMLEY CLOSECB7 4FF | Terraced | £240,000 | Freehold |
| 22 Jul 2026 | 19, MAIN STREETCB6 2ED | Semi-Detached | £207,500 | Freehold |
| 21 Jul 2026 | 19A, THE BROOKCB6 2PU | Terraced | £272,500 | Freehold |
| 21 Jul 2026 | 167, CARTER STREETCB7 5JU | Semi-Detached | £295,000 | Freehold |
| 20 Jul 2026 | 12, BURGHLEY RISECB25 0RS | Detached | £485,000 | Freehold |
| 20 Jul 2026 | 25, THE CAUSEWAYCB25 0DU | Detached | £485,000 | Freehold |
Source: HM Land Registry price paid data, 12 months to September 2026 · East Cambridgeshire District Council 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 Ely deals.
Typical pricing for bridging finance in Ely. 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, Ely
An indicative appraisal for a nine-unit residential scheme priced at Ely'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
£2,924,000
Loan Amount
£1,901,000
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 Ely
— answered.
How active is the development pipeline in Ely?
The East Cambridgeshire District Council planning register currently shows 104 residential applications awaiting decision in Ely, together proposing 618 units — the largest single scheme proposes 350 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
Ely Property Market: House Prices, Sold Data & Development Finance, Q3 2026 Edition
Median price £335,000, 1,322 sales, -1.5% 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 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.
Where we fund
Ely,
Cambridgeshire.
Adjacent products
Other services
in Ely.
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