- Home
- Locations
- Cambridgeshire
- St Neots
- Bridging Finance
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
- £315,500
- Sales (12m)
- 889
- YoY change
- -6.4%
- Approved (recent)
- 365
- Pipeline units
- 3,617
- Pipeline GDV
- £1123.2M
Planning pipeline
Planning activity
in St Neots.
365 approved (last 12 months)
·162 pending
·3,617 units in pipeline·£1123.2M estimated GDV·79% approval rate (last 12 months)Recently Approved
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| 25/01947/LBC | External wall repair to oak frame external render and facing brickwork. 53 High Street Upwood Huntingdon PE26 2QE | - | - | Approved | 30/09/2025 |
| 25/01902/PRI031 | Change of use from office to 20 residential flats Office 1 Centenary House St Marys Street Huntingdon PE29 3PE | 20 | £3.5M | Approved | 30/09/2025 |
| 25/02100/REM | Application for the approval of reserved matters of access, appearance, landscap… Alconbury Weald Ermine Street Little Stukeley | 272 | £85.8M | Approved | 31/10/2025 |
| 25/02097/LBC | Replacement of internal doors with fire doors. 52 High Street Kimbolton Huntingdon PE28 0HA | - | - | Approved | 31/10/2025 |
| 25/02096/LBC | Works to Art Studio including: Insulation, Structural Stability works, Formation… 67 High Street Hemingford Grey Huntingdon PE28 9BN | - | - | Approved | 30/10/2025 |
Current Applications
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| 26/01764/LBC | Proposed conversion and extension of exiting curtilage listed outbuilding into a… Bodsey House Bodsey Toll Road Ramsey Huntingdon PE26 2XH | 1 | £315,500 | Pending | 24/09/2026 |
| 26/01763/FUL | Proposed conversion and extension of exiting curtilage listed outbuilding into a… Bodsey House Bodsey Toll Road Ramsey Huntingdon PE26 2XH | 1 | £315,500 | Pending | 24/09/2026 |
| 26/01755/P3MPA | Change of use of agricultural buildings to flexible commercial use (General Perm… Roundhills Farm Sawtry Road Glatton Huntingdon PE28 5RZ | - | - | Pending | 22/09/2026 |
| 26/01750/LBC | Insertion of additional first floor bathroom and shower room. Replace existing g… The Old Rectory Rectory Lane Wyton Huntingdon PE28 2AQ | - | - | Pending | 21/09/2026 |
| 26/01728/LBC | Erection of two-storey extension, internal alterations, construction of a new or… Houghton Hill House Houghton Hill Houghton Huntingdon PE28 2BS | - | - | Pending | 17/09/2026 |
Deal intelligence
Key schemes
in St Neots.
Indicative appraisals of the largest residential schemes in the St Neots planning pipeline. These 3 schemes represent an estimated £302.1M in combined GDV across 912 units, with indicative capital stacks for each.
Major Residential Development Awaiting decision
Land West Of Toll Bar Way Sawtry
£109.3M
Estimated GDV
Units
330
GDV / Unit
£331k
Build Cost (Range)
£47.1M–£59.5M
Residual Land Value
£8.5M
GDV estimated from the HM Land Registry blended median of £315,500 plus a 5% new-build premium (assumed). At benchmark build costs, the implied residual land value is £8,547,000 (£26k/unit) after a 17.5% developer profit target. Calculate GDV
| Gross Development Value | £109.3M |
| Construction (22,440 sqm @ £2,380/sqm mid) | −£53.4M |
| Externals, fees & contingency | −£15.7M |
| Finance (65% LTGDV, 24m) & sales costs | −£12.5M |
| Developer profit target (17.5% on GDV) | −£19.1M |
| Implied residual land value | £8.5M |
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
Alconbury Weald Ermine Street Little Stukeley
£102.7M
Estimated GDV
Units
310
GDV / Unit
£331k
Build Cost (Range)
£44.3M–£55.9M
Residual Land Value
£8.0M
GDV estimated from the HM Land Registry blended median of £315,500 plus a 5% new-build premium (assumed). At benchmark build costs, the implied residual land value is £8,028,000 (£26k/unit) after a 17.5% developer profit target. Calculate GDV
| Gross Development Value | £102.7M |
| Construction (21,080 sqm @ £2,380/sqm mid) | −£50.2M |
| Externals, fees & contingency | −£14.7M |
| Finance (65% LTGDV, 24m) & sales costs | −£11.8M |
| Developer profit target (17.5% on GDV) | −£18.0M |
| Implied residual land value | £8.0M |
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 Approved
Alconbury Weald Ermine Street Little Stukeley
£90.1M
Estimated GDV
Units
272
GDV / Unit
£331k
Build Cost (Range)
£38.8M–£49.0M
Residual Land Value
£7.0M
GDV estimated from the HM Land Registry blended median of £315,500 plus a 5% new-build premium (assumed). At benchmark build costs, the implied residual land value is £7,044,000 (£26k/unit) after a 17.5% developer profit target. Calculate GDV
| Gross Development Value | £90.1M |
| Construction (18,496 sqm @ £2,380/sqm mid) | −£44.0M |
| Externals, fees & contingency | −£12.9M |
| Finance (65% LTGDV, 24m) & sales costs | −£10.3M |
| Developer profit target (17.5% on GDV) | −£15.8M |
| Implied residual land value | £7.0M |
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 £315,500 plus a 5% new-build premium (assumed).
- 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.
889 residential transactions in the last twelve months. Median sold price £315,500 (-6.4% YoY). 74 new-build transactions with a +28.5% premium over existing stock.
Detached
£460,000
Semi-Detached
£325,000
Terraced
£277,000
Flat
£175,000
| Date | Address | Type | Price | Tenure |
|---|---|---|---|---|
| 27 Jul 2026 | 25, PARK DRIVEPE19 6NS | Semi-Detached | £330,000 | Freehold |
| 27 Jul 2026 | 51, PARK AVENUEPE19 6PD | Semi-Detached | £350,000 | Freehold |
| 27 Jul 2026 | 117, SKIPPER WAYPE19 6LT | Terraced | £425,000 | Freehold |
| 27 Jul 2026 | 16, CONSTABLE AVENUEPE19 7RH | Semi-Detached | £420,000 | Freehold |
| 21 Jul 2026 | 39, PARKSIDEPE19 6NN | Semi-Detached | £320,000 | Freehold |
| 20 Jul 2026 | 31, TOWGOOD WAYPE19 6RP | Detached | £421,000 | Freehold |
| 17 Jul 2026 | FLAT 18, CAVENDISH COURT, CROSSHALL ROADPE19 7SR | Flat | £235,000 | Leasehold |
| 17 Jul 2026 | 48, BEGWARY CLOSEPE19 8PZ | Terraced | £240,000 | Freehold |
| 16 Jul 2026 | 18, HATLEY CLOSEPE19 1RB | Detached | £460,000 | Freehold |
| 16 Jul 2026 | 22A, CROCUS CLOSEPE19 2LP | Flat | £225,000 | Freehold |
Source: HM Land Registry price paid data, 12 months to September 2026 · Huntingdonshire 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 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
£3,071,000
Loan Amount
£1,996,000
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 162 residential applications awaiting decision in St Neots, together proposing 2,172 units — the largest single scheme proposes 330 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, Q3 2026 Edition
Median price £315,500, 889 sales, -6.4% 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 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