Bridging Loans in
Cambridge

Cambridge’s property market runs on Silicon Fen. Cambridge Science Park, the Biomedical Campus and a long line of university spin-outs keep demand for commercial space high, and lab and R&D facilities, flexible offices and mixed-use sites on the northern fringe and the southern biotech corridor attract buyers from the UK and abroad. When a building like that comes up, the buyer with funding ready tends to get it.

Tight planning, scarce sites

The Green Belt, conservation areas across the historic centre and strict height limits keep viable development sites scarce and hotly contested. Buying land with planning, or buying while an application is still making its way through, needs a lender who understands that timetable and its risks. We know which ones do.

Values, students and exits

Average values are above £500,000, with prime addresses well beyond that. The university’s 25,000 students, a growing tech workforce and a long-standing shortage of good housing keep rental demand firm, which gives investors a choice of exits: a buy-to-let refinance, a sale into a liquid market, or converting a period house near the colleges into an HMO.

The deals we see

Office purchases near the station and CB1, office-to-lab conversions on the Science Park, residential investment close to the university, refurbishment of listed and period buildings, and land in growth areas such as Eddington and the North West Cambridge development. Not every national lender prices Cambridge well, which is why we compare 158 lenders and structure each case for the ones that do.

Along the Arc

Cambridge sits at the eastern end of the Oxford–Cambridge Arc. We also fund deals in Milton Keynes, at the Arc’s centre, where development exit and commercial bridging keep us busy, and in Oxford at the western end.