Cambridgeshire · East of England

Mezzanine finance for Cambridge developers

Second-charge development funding to 90 to 95 percent of cost, priced against Cambridge's own evidence: 1,003 recorded sales in the last 12 months and 595 units in live planning applications. We lend from our own book and arrange whole of market where that serves you better.

All of Cambridgeshire

£485k

Median sold price, 12m

1,003

Sales recorded, 12m

595

Units in live applications

£275m

Estimated pipeline GDV

The Cambridge market, in numbers we underwrite from

A mezzanine loan is a view on whether a scheme will sell at the price its appraisal claims, so every Cambridge deal starts with the local evidence. Over the last 12 months the town recorded 1,003 sales at a median of £485,000, down 1 percent year on year. New build stock commands a premium of about 19.1 percent over existing homes on 9 new build completions, which matters directly to how we read a developer's sales assumptions.

What Cambridge stock actually sells for

Property type	Median sold price, 12m
Detached	£827,500
Semi-detached	£550,275
Terraced	£500,000
Flats	£315,000

HM Land Registry price paid data, trailing 12 months, refreshed 5 July 2026.

Live planning activity at Greater Cambridge Shared Planning

Over the last 3 months our monitors logged 286 relevant applications, 0 approved and 279 awaiting decision. Together the live residential applications propose 543 units with an estimated end value of £257m.

Schemes moving through planning now

Proposal	Units	Status
EIA Screening Opinion under the Town and Country Planning (Environmental Impact Assessment) Regulations 2017 for residential development with an upper limit 140 homes.	140	Decided
Outline planning application (all matters reserved except means of access) for residential development of up to 100 houses, including affordable dwellings, together with open space, play areas, landscaping, land for ecol…	100	Awaiting decision
Reserved matters application for the approval of access (except the already-approved main vehicular access), appearance, landscaping, layout and scale pursuant to outline permission S/3854/19/OL for residential developme…	80	Awaiting decision
Outline planning application for the erection of up to 65 dwellings with public open space, landscaping, sustainable urban drainage system (SuDS) and vehicular access. All matters to be reserved except for means of acces…	65	Awaiting decision

Sourced from Greater Cambridge Shared Planning public register. If one of these is your scheme, we already know the context.

Gap funding for Cambridge schemes

The structure is the same one we write everywhere: your senior lender keeps first charge and funds the majority of cost, our mezzanine finance takes a second charge over the next slice, and your equity requirement falls, typically from around 35 percent of cost to 5 or 10. Terms run 6 to 36 months, pricing is indicatively from 12 percent a year, and a complete enquiry gets a term sheet inside 48 hours. Model a Cambridge scheme with the leverage calculator, or see the wider county picture on our Cambridgeshire page and the national view in the UK development pipeline tracker.

Indicative terms in Cambridge

Loan size£250k to £5m
Combined leverageUp to 90 to 95% LTC
Term6 to 36 months
PricingFrom 12% a year
SecuritySecond charge plus PGs
DecisionTerm sheet in 48 hours

Indicative only; every loan is priced case by case.

FAQ

Mezzanine in Cambridge, answered

Do you fund developments in Cambridge?

Yes. We lend second-charge mezzanine on residential and mixed-use schemes in Cambridge and across Cambridgeshire, typically taking combined leverage to 85 to 95 percent of cost alongside a senior facility. Where a case suits another funder better, we arrange it whole of market.

What does the Cambridge market look like right now?

Over the last 12 months Cambridge recorded 1,003 sales at a median of £485,000, down 1 percent year on year. The live planning pipeline holds 595 units with an estimated GDV of £275m. The figures on this page refresh as the underlying Land Registry and planning data updates.

Does new build stock sell at a premium in Cambridge?

On the last 12 months of Land Registry data, the 9 new build sales in Cambridge priced about 19.1 percent above comparable existing stock. That premium is one of the first numbers we check when we underwrite a Cambridge appraisal.

How quickly can a Cambridge scheme get terms?

A complete enquiry gets a considered credit view and term sheet inside 48 hours, and typical enquiry to drawdown is 4 to 6 weeks, run in parallel with your senior lender.

Nearby

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Building in Cambridge?

Share the scheme and get a term sheet in 48 hours, underwritten with the same Cambridge evidence on this page.