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St Neots, Cambridgeshire
Bridging Finance
in St Neots
Expert bridging finance for property developers in St Neots. We connect you with competitive funding from our panel of 100+ lenders.
St Neots, Cambridgeshire
Bridging Finance
in St Neots.
Live market data
St Neots
market snapshot.
HM Land Registry sold-price data for St Neots over the last twelve months, alongside the live local planning pipeline. Updated weekly.
- Median price
- £312,500
- Sales (12m)
- 599
- YoY change
- -5.9%
- Approved (recent)
- 268
- Pipeline units
- 4,893
- Pipeline GDV
- £1519.1M
Planning pipeline
Planning activity
in St Neots.
9 approved (last 3 months)
·99 pending
·1,794 units in pipeline·£548.7M estimated GDV·90% approval rate (last 3 months)Recently Approved
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| 26/00971/FUL | Retention of portacabin for use as community shop. Great Paxton Community Shop 48A High Street Great Paxton St Neots PE19 6RF | - | - | Approved | 28/05/2026 |
| 26/00969/FUL | Change of use of existing residential space to extend existing commercial space,… Post Office 30 Main Street Farcet Peterborough PE7 3DB | 1 | £312,500 | Approved | 27/05/2026 |
| 26/00964/S73 | Variation of condition 2 (Dev in accordance with plans) of 25/00273/HHFUL. 12 Folksworth Road Norman Cross Peterborough PE7 3SP | - | - | Approved | 26/05/2026 |
| 26/00953/FUL | Change of use from dance academy (Use Class E(d)) to a mixed use comprising a da… Land Rear Of 9 Orchard Lane Huntingdon | - | - | Approved | 22/05/2026 |
| 26/00975/PIP | Permission in Principle for erection of up to 3 dwellings. Land Adjacent To 5 High Street Hail Weston | 3 | £937,500 | Approved | 21/05/2026 |
Current Applications
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| 26/01469/LBC | Repair of all defective brickwork and render to lower ground and replacement of … The Chestnuts 7 Church Street St Ives PE27 6DG | - | - | Pending | 11/08/2026 |
| 26/01460/FUL | Construction of a new dwelling on existing residential amenity land. Land At 26A Church Street Yaxley | - | - | Pending | 11/08/2026 |
| 26/01470/FUL | Proposed erection of new 4 bed self-build dwelling Land Adjacent 39 West End Brampton | - | - | Pending | 11/08/2026 |
| 26/01440/FUL | Change of use to a SEN day school (Class F1), erection of a rear single storey e… Westward House Bury Road Ramsey Huntingdon PE26 1NA | - | - | Pending | 07/08/2026 |
| 26/01452/OHL | 1 x new pole installion to connect underground cable to existing HV network Garden Farm The Town Great Staughton St Neots PE19 5BE | - | - | Pending | 07/08/2026 |
Deal intelligence
Key schemes
in St Neots.
Indicative appraisals of the largest residential schemes in the St Neots planning pipeline (all currently awaiting decision). These 3 schemes represent an estimated £413.9M in combined GDV across 1,130 units, with indicative capital stacks for each.
Major Residential Development Awaiting decision
Bedford Borough Council Borough Hall Cauldwell Street Bedford MK42 9AP
£146.5M
Estimated GDV
Units
400
GDV / Unit
£366k
Build Cost (Range)
£57.1M–£72.1M
Residual Land Value
£20.3M
GDV estimated from the HM Land Registry blended median of £312,500 plus a 17.2% new-build premium (measured locally). At benchmark build costs, the implied residual land value is £20,293,000 (£51k/unit) after a 17.5% developer profit target. Calculate GDV
| Gross Development Value | £146.5M |
| Construction (27,200 sqm @ £2,380/sqm mid) | −£64.7M |
| Externals, fees & contingency | −£19.0M |
| Finance (65% LTGDV, 24m) & sales costs | −£16.8M |
| Developer profit target (17.5% on GDV) | −£25.6M |
| Implied residual land value | £20.3M |
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 East Of Cardinal Business Park And North Of Kings Bush Farm London Road Godmanchester
£146.5M
Estimated GDV
Units
400
GDV / Unit
£366k
Build Cost (Range)
£57.1M–£72.1M
Residual Land Value
£20.3M
GDV estimated from the HM Land Registry blended median of £312,500 plus a 17.2% new-build premium (measured locally). At benchmark build costs, the implied residual land value is £20,293,000 (£51k/unit) after a 17.5% developer profit target. Calculate GDV
| Gross Development Value | £146.5M |
| Construction (27,200 sqm @ £2,380/sqm mid) | −£64.7M |
| Externals, fees & contingency | −£19.0M |
| Finance (65% LTGDV, 24m) & sales costs | −£16.8M |
| Developer profit target (17.5% on GDV) | −£25.6M |
| Implied residual land value | £20.3M |
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 West Of Toll Bar Way Sawtry
£120.9M
Estimated GDV
Units
330
GDV / Unit
£366k
Build Cost (Range)
£47.1M–£59.5M
Residual Land Value
£16.7M
GDV estimated from the HM Land Registry blended median of £312,500 plus a 17.2% new-build premium (measured locally). At benchmark build costs, the implied residual land value is £16,744,000 (£51k/unit) after a 17.5% developer profit target. Calculate GDV
| Gross Development Value | £120.9M |
| Construction (22,440 sqm @ £2,380/sqm mid) | −£53.4M |
| Externals, fees & contingency | −£15.7M |
| Finance (65% LTGDV, 24m) & sales costs | −£13.9M |
| Developer profit target (17.5% on GDV) | −£21.2M |
| Implied residual land value | £16.7M |
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 £312,500 plus a 17.2% 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 St Neots.
599 residential transactions in the last twelve months. Median sold price £312,500 (-5.9% YoY). 19 new-build transactions with a +17.2% premium over existing stock.
Detached
£447,500
Semi-Detached
£320,000
Terraced
£276,500
Flat
£169,250
| Date | Address | Type | Price | Tenure |
|---|---|---|---|---|
| 26 Jun 2026 | 243, DUCK LANEPE19 2EQ | Terraced | £275,000 | Freehold |
| 26 Jun 2026 | 9, BAWLINSPE19 6GD | Terraced | £282,500 | Freehold |
| 19 Jun 2026 | OUSEHAVEN, KINGS LANEPE19 1LA | Detached | £350,000 | Freehold |
| 18 Jun 2026 | 15, BLAKES WAYPE19 8PU | Detached | £470,000 | Freehold |
| 17 Jun 2026 | 30, PARK ROADPE19 5SL | Detached | £442,500 | Freehold |
| 16 Jun 2026 | 25, HOWITTS LANEPE19 2JA | Terraced | £260,000 | Freehold |
| 16 Jun 2026 | 16, BOOTH WAYPE19 6JR | Terraced | £315,000 | Freehold |
| 15 Jun 2026 | 14, DEWPOND CLOSEPE19 1TZ | Semi-Detached | £335,000 | Freehold |
| 5 Jun 2026 | THE BRAMLEYS, POTTON ROADPE19 6XJ | Detached | £1,175,000 | Freehold |
| 5 Jun 2026 | 116, HOWITTS GARDENSPE19 2NX | Terraced | £255,000 | Freehold |
Source: HM Land Registry price paid data, 12 months to August 2026 · Huntingdonshire District Council 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 St Neots deals.
Typical pricing for bridging finance in St Neots. 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, St Neots
An indicative appraisal for a nine-unit residential scheme priced at St Neots'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
£3,375,000
Loan Amount
£2,194,000
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 St Neots
— answered.
How active is the development pipeline in St Neots?
The Huntingdonshire District Council planning register currently shows 99 residential applications awaiting decision in St Neots, together proposing 1,788 units — the largest single scheme proposes 400 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
St Neots Property Market: House Prices, Sold Data & Development Finance, End of H1 2026
Median price £310,000, 602 sales, -7.5% 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 St Neots 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
St Neots,
Cambridgeshire.
Adjacent products
Other services
in St Neots.
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