Bridging Finance Cambridgeshire

A two-economy county

Cambridgeshire has the unusual distinction of carrying two of the most different property economies in the East of England inside a single county boundary. Cambridge sits at one end as a premium tech and university city where four-bed villas trade above £2 million and the Silicon Fen cluster pulls chain values higher than anywhere outside London. Peterborough sits at the other end as a cathedral rail-hub city with one of the busiest auction calendars in the region and a Class MA office-to-resi conversion pipeline that has reshaped the city core. The Fenland belt in between, from Wisbech and March through Chatteris and Whittlesey, runs on agricultural service, fresh-produce packing and rental yields that comfortably beat the Cambridge average. Bridging finance is the instrument that lets investors and owner-occupiers move across that spread at the speed each segment demands.

This page is a working briefing rather than a brochure. It is written for the people who already know roughly what a bridge is and who want to know how the Cambridgeshire market is behaving in 2026, which lenders are pricing each segment, and what a deal actually looks like when it crosses our desk. We cover the county's geography and two-tier governance, the bridging market in 2026, the use cases that drive most short-term lending across Cambridge, Peterborough and the Fens, four sector deep-dives where Cambridgeshire has a particular shape, the lender panel we work with, five recent anonymised deals we have funded, and a forward look into 2027. Read it end to end if you have twenty minutes, or skip to the section that maps to the case in front of you. The contact details sit at the foot of every page on this site.

Cambridgeshire in the East of England economy

Cambridgeshire occupies the southern half of the East of England, bordered by Lincolnshire to the north, Norfolk and Suffolk to the east, Essex and Hertfordshire to the south, and Bedfordshire and Northamptonshire to the west. The geography splits into three distinct zones. The chalk uplands south of Cambridge run into the Suffolk border with rolling farmland, larger detached villages and the wider Newmarket racing economy on the eastern fringe. The Fens cover the northern and eastern half of the county, drained from the 17th century onwards by Cornelius Vermuyden and now carrying some of the most productive arable land in England across Wisbech, March, Chatteris, Whittlesey and the wider Ely Isle. The western edge runs into the A1 corridor at St Neots, Huntingdon and Sawtry with the wider Bedfordshire commuter belt opening west into Bedford and Biggleswade.

Governance is two-tier across most of the county. Cambridgeshire County Council covers the southern and eastern districts at Cambridge, South Cambridgeshire, East Cambridgeshire, Huntingdonshire and Fenland. Peterborough City Council is a separate unitary authority covering the city and its rural fringe to the north. The Cambridgeshire and Peterborough Combined Authority sits across both with a directly elected Mayor and devolved transport, skills and housing budgets. The two-tier structure shapes the planning and licensing regimes that bridging cases routinely run into, with Article 4 directions, conservation areas, listed-building consents and HMO licensing varying across the district boundaries. We work the same panel in every district but adapt the deal pack to the local planning timetable.

Transport infrastructure runs heaviest along the A14 east-west spine that connects Felixstowe, Cambridge, Huntingdon, the A1 and the Midlands, and the East Coast Main Line north-south through Peterborough, Huntingdon and St Neots into London King's Cross. The M11 lands at Cambridge Junction 13 and continues north to the A14, the A10 runs north-south through Ely and Littleport, and the A47 runs east-west through Peterborough and Wisbech connecting Norwich and the Midlands. The East Coast Main Line carries Peterborough into King's Cross in 50 minutes and Huntingdon and St Neots in 55 minutes. The West Anglia line carries Cambridge into King's Cross in 48 minutes and Liverpool Street in 75 minutes. The upcoming East-West Rail project will connect Cambridge to Oxford via Bedford with potential opening through 2030, and the A428 dualling between St Neots and Cambridge is under construction with completion expected through 2026 to 2027. Both shift commuter access materially and have already begun to reshape land values along the western corridor.

The economic anchor at the southern end is the Cambridge tech and biomedical cluster, known collectively as Silicon Fen. The University of Cambridge carries around 24,000 students and 12,000 staff. Cambridge Biomedical Campus at Addenbrooke's employs around 19,000 across the hospital, the AstraZeneca global R&D centre and the wider research base. Cambridge Science Park at the northern edge carries around 8,000 jobs across more than 130 tech and biotech firms including ARM, Microsoft Research, Apple and Cambridge Assessment. The Sanger Institute genomics campus at Hinxton adds a further 1,300 research jobs at the southern fringe. The economic anchor at the northern end is the Peterborough rail hub, Stagecoach UK HQ, the Queensgate retail centre, the Anglia Ruskin Peterborough campus that opened in 2022, and the wider Hampton new-town and logistics economy. The Fenland belt runs on agricultural service, fresh-produce packing, the British Sugar Wissington campus near Wisbech, and the wider Huntingdon and Ely commuter spread.

The Cambridgeshire bridging market in 2026

Bridging activity in Cambridgeshire has held firmer through 2025 and into 2026 than many comparable East of England counties. Three forces explain that. Cambridge premium chain volume has held up on the back of continuing Silicon Fen share-vesting events and a steady flow of biomedical and tech-cluster professionals moving into the city. Peterborough auction supply at the lower end has stayed plentiful through the cycle, with PE1 city-centre flats and PE2 Fletton terraces clearing weekly through the regional rooms. The Fenland market towns at Wisbech, March, Chatteris and Whittlesey continue to produce the strongest yields in the wider county and underwrite a steady BRR portfolio pipeline.

On rates, the picture in May 2026 is steadier than it was eighteen months ago. The ranges we are pricing across the panel are as follows. Regulated bridging on owner-occupied homes is sitting between 0.55% and 0.85% per month, with the lower end reserved for clean chain-break cases at 65% loan-to-value or below and a clear onward-sale exit. Unregulated standard bridging on investment, buy-to-let and commercial property is running between 0.65% and 1.25% per month, with the bulk of our Cambridgeshire book pricing inside 0.75% to 0.95%. Heavy refurbishment and development-exit cases sit at 0.75% to 1.5% per month, with pricing driven by build complexity, the strength of the contractor, and the planned exit. Second-charge bridging behind an existing first sits at the upper end of those bands.

Loan sizes across the county run from £100,000 at the smaller Wisbech and March terrace end up to £12 million on the largest Cambridge tech-founder villa chains and St Neots dev-exit schemes. The middle of the book, where most of our Cambridgeshire work sits, is £250,000 to £2.5 million. Cambridge chain-break cases sit in the upper half of that spread, often £1.5 million to £4 million on CB2 and CB3 villa stock. Fenland BRR and auction-to-BTL cases sit in the lower half, typically £125,000 to £325,000 on PE13, PE15 and PE16 terrace stock. Peterborough dev-exit and Class MA conversion cases run £500,000 to £2 million depending on scheme size. Terms are short by design. Six to twelve months covers most cases. Eighteen months is available where the works schedule needs it. Twenty-four months is unusual on a standard bridge.

Lender appetite has shifted in three specific directions over the past twelve months. First, regulated chain-break pricing has tightened at the premium end, with the cleaner CB2 and CB3 cases at 60% loan-to-value picking up offers at the lower end of the regulated band. Second, refurbishment-to-BTL appetite on the Fenland belt has improved, helped by gradually settling buy-to-let term-rate expectations. Lenders are more willing to look at a BRR exit at 75% loan-to-value on Wisbech, March and Chatteris stock where the stress on the proposed BTL refinance looks deliverable on the strong yield position. Third, Peterborough Class MA conversion appetite has sharpened, with several specialist lenders now pricing PE1 office-to-resi conversion cases at 0.95% to 1.1% per month on schemes where the planning is settled and the contractor is named.

What is moving the deal flow in 2026, in plain terms, is the two-economy split. The Cambridge premium book sits on chain-break, professional-let HMO conversion and tech-founder cash-out cases, with rates at the tighter end and loan sizes at the larger end. The Peterborough book sits on auction-to-BTL, Class MA conversion and dev-exit cases through the Hampton extension. The Fenland book sits on BRR and auction-to-BTL on lower-priced terrace stock with yields above 7%. Each segment asks a different lender, and the matrix below is the one we run every case against when the brief lands.

When Cambridgeshire investors use bridging

Bridging in Cambridgeshire distributes itself across the eight use cases the master network covers, but the weights differ from a London or a Manchester book. Auction-completion work continues to be the single biggest individual flow in the Fenland and Peterborough belts. Most of our auction cases anchor to the PE1 Peterborough city centre, PE13 Wisbech, PE15 March and PE16 Chatteris terrace stock, with occasional larger lots in PE2 Fletton and Cambridge CB1. The twenty-eight-day clock from hammer fall to completion is the constraint that defines every conversation. We routinely arrange a valuation booking inside seventy-two hours of taking the auction pack, push for title insurance where the seller's pack is incomplete, and complete inside fourteen days on anything that does not have a quirk in the title or vacant-possession status.

Chain-break bridging for residential buyers across the wider Cambridgeshire and East of England footprint runs second in volume. This is regulated work, and we introduce clients to our regulated introducer partners for the regulated element. The typical case is a Cambridge professional family who have accepted an offer on their existing CB2 or CB3 villa, have agreed on the onward purchase at a larger Newnham or De Freville house, and need to complete the onward move before their sale completes. Premium Cambridge cases regularly run above £2 million, with the chain often a college fellow upsizing inside the city or a tech-founder moving from a CB1 conversion flat to a larger inner villa belt house. The Huntingdonshire and East Cambridgeshire chains run smaller at £325,000 to £675,000, often Cambridge or London commuter families moving inside Huntingdon, Ely, St Neots or Sawston.

Refurbishment bridging is the workhorse of the Cambridgeshire investor book. Light refurbishment work, where the case is cosmetic kitchens, bathrooms, redecoration and a re-let, is common across PE13, PE15 and PE16 Fenland terrace stock. Medium refurbishment, where layouts move and works run to three or four months, sits more often in PE1 Peterborough city-centre conversions and CB1 Cambridge Mill Road terraces. Heavy refurbishment, including structural changes, full rewires, change of use, and HMO conversion under Article 4 considerations, sits at the more complex end and prices accordingly. The Cambridge HMO market for professional-let stock serving Addenbrooke's and the Science Park is the deepest single HMO segment in the county. Buy-refurbish-refinance work overlaps with the light and medium bands, with the exit being a buy-to-let term loan once the works complete and the property re-values up.

Development-exit bridging is meaningful in Cambridgeshire and is growing in 2026. Schemes that took development finance through 2023 and 2024 are reaching practical completion across the county, particularly through the St Neots Loves Farm and Wintringham extensions, the Peterborough Hampton new-town, and the Cambourne West Cambourne extension. The most cost-effective move once units start marketing is usually to step out of the development facility and onto a six-to-twelve-month bridge while sales complete. Planning-gain purchases, where a buyer is acquiring a site with a pending application or a recent consent, sit alongside dev-exit work as a more speculative cousin. Below-market-value purchases, often from probate or motivated vendors, continue to flow, particularly in the Fenland belt where executor sales are a recurring pattern. Capital raise against an unencumbered or low-loan-to-value Cambridge asset, used to fund a deposit on the next deal, is a recurring pattern for Silicon Fen investors building portfolios. The eight use cases round out as: auction, chain-break, light refurb, medium refurb, heavy refurb or BRR, dev-exit, planning-gain or BMV purchase, and capital raise.

Sector deep-dives

Cambridge premium chain-break, £2m-plus CB1-CB5

The Cambridge premium chain segment is the deepest single residential bridging book we write in the East of England outside London. The CB2 Trumpington Road belt, CB3 Newnham and Madingley Road belt, and CB4 De Freville and Park Parade belt produce a steady flow of chain-break cases at £1.5 million to £4 million, with the largest cases reaching £6 million on the best Adams Road and Sylvester Road villas. The typical borrower is a college fellow upsizing inside the city, a tech-founder cashing out share vesting and moving from a CB1 conversion flat to an inner villa, or a returning academic re-entering the Cambridge market from London or overseas. These are regulated cases, introduced to our regulated partner firm. Rate from 0.55% per month at the cleaner end, 60 to 65% loan-to-value against the onward property, term 6 to 12 months with a clear onward-sale exit. United Trust Bank and Together write the largest share of this segment, with Octopus Real Estate picking up the larger £3 million-plus cases.

Cambridge Science Park and Biomedical Campus professional-let HMO and Class MA

The Cambridge professional-let market for postdocs, NHS clinicians, biotech contractors and tech-cluster employees is the second sector with a particular Cambridgeshire shape. Larger Victorian terraces and four-bed semis in CB1, CB4 and CB5 convert to licensed five and six-bed professional HMOs serving the Addenbrooke's catchment and the wider Cambridge Biomedical Campus, with works budgets of £60,000 to £150,000 against purchase prices of £550,000 to £850,000. Rental yields run above 7% on professional-let HMO stock in CB1 Mill Road and CB4 De Freville. Term 12 to 18 months on the bridge, rate 0.95% to 1.25% per month, loan-to-value 65 to 70% against gross development value. The exit lands on a specialist HMO BTL term loan. Parts of central Cambridge sit within Article 4 direction zones requiring full planning consent for C3-to-C4 change of use, which extends the bridge term to 12 to 15 months and adds the planning timetable to the deal pack. Class MA office-to-resi conversion at the Cambridge Leisure Park, Hills Road and Station Road professional-belt fringes runs as a parallel stream, with permitted development unlocking compact one and two-bed apartments above tired office stock.

Peterborough rail-hub regen and Class MA conversion PE1

The third sector is the most distinctively Peterborough of the four. The PE1 cathedral conservation area and the Lincoln Road professional corridor have produced a steady Class MA office-to-resi conversion pipeline over the past three years, with tired upper-floor offices converting to compact one and two-bed apartments under permitted development rights. Schemes typically run 6 to 18 units depending on the building footprint, with works budgets of £400,000 to £1.5 million against purchase prices of £600,000 to £2 million. Term 12 to 18 months on the bridge, rate 0.95% to 1.15% per month, loan-to-value 65 to 70% against gross development value. The exit lands on a portfolio BTL refinance or unit sales once the scheme completes. The Peterborough rail-hub commuter base supports rental demand at the lower end of the city's professional-let spread, with the cathedral and Queensgate retail belt anchoring the central owner-occupier market. Dev-exit bridging through the Hampton new-town extension at the southern edge runs as a parallel stream, with small schemes of 6 to 18 units reaching practical completion and stepping off development facilities onto 12-month bridges while unit sales complete. Octopus Real Estate, LendInvest and Octane Capital carry most of the larger Peterborough cases, with MT Finance and Hope Capital writing the smaller-ticket conversion and refurbishment work.

Fenland Wisbech, March and Ely market-town BRR and agricultural-tied

The fourth sector covers the Fenland belt from Wisbech through March, Chatteris, Whittlesey and Ramsey, with the East Cambridgeshire fringe at Ely, Littleport and Soham as the higher-priced cousin. The BRR portfolio model dominates the investor book across PE13, PE14, PE15, PE16 and PE26, with three-bed terraces trading at £100,000 to £200,000 on the lower-priced Wisbech and March stock and £180,000 to £275,000 on the Ramsey, Whittlesey and East Cambridgeshire belt. Rental yields run above 7% on professional-let three-bed terraces across the Fenland belt, which underwrites the BRR economics. Investors buy tired stock, fund cosmetic refurb of £15,000 to £35,000 on a 9-month bridge at 0.85% per month, then exit to a BTL term loan at uplifted value. Auction-to-BTL completion sits alongside BRR as a parallel stream, with the regional rooms listing Fenland terraces weekly. Agricultural-tied capital-raise bridging against unencumbered Fenland farm and packhouse stock runs as a smaller niche, with loan band £150,000 to £500,000, rate 0.95% to 1.15% per month, 55 to 65% loan-to-value, term 6 to 12 months. Roma Finance, MT Finance and Hope Capital carry the bulk of the Fenland BRR and auction-to-BTL book.

Cambridgeshire bridging lenders

Our headline panel is eight lenders, chosen because together they cover the full range of bridging activity in Cambridgeshire without duplication. They are MT Finance, Octane Capital, Roma Finance, United Trust Bank, Hope Capital, Together, LendInvest, and Octopus Real Estate. Each prices differently across the segments, and the case for taking a deal to a particular lender turns on where the case sits in the matrix.

MT Finance is the workhorse on standard unregulated bridging up to roughly £3 million, with quick decisions and a clean credit policy. They suit straightforward investment-property purchases and standard refurbishment exits, with particular strength on the Fenland auction-to-BTL pattern and the Peterborough PE1 to PE4 city-centre flat market. Octane Capital takes the heavier lift, including heavy refurbishment, mixed-use, light development and more complex security profiles. They are often the right call on a Cambridge HMO conversion case where the works are substantial or a Peterborough Class MA scheme with a longer planning timetable. Roma Finance is strong on refurbishment-to-BTL and the buy-refurbish-refinance pattern that dominates the Fenland investor book, particularly across the PE13, PE15 and PE16 terrace stock. United Trust Bank sits at the regulated end of the panel, pricing tightly on owner-occupier chain-break work where the security and exit are clean. They are the standard call on Cambridge CB2 and CB3 premium chain cases at £1.5 million to £4 million. Hope Capital is competitive on mid-band investment bridging and light-to-medium refurbishment, with a useful appetite for less standard properties including listed-building cases in Ely and Wisbech. Together spans regulated and unregulated, with particular strength on complex circumstances such as adverse credit or unusual borrower profiles where a clean exit makes the case work.

LendInvest moves quickly on larger residential investment cases and on development exit, with technology-driven processes that suit time-sensitive applications. They write a meaningful share of the St Neots and Cambourne dev-exit book. Octopus Real Estate writes the larger end of the book, including development exit on schemes from £2 million up, mixed-use, and more substantial commercial bridges where institutional capital and bigger ticket sizes are required. They are the standard call on Cambridge premium chain cases above £3 million and on the larger Peterborough Hampton dev-exit schemes.

Beyond the eight, we work regularly with Shawbrook, Precise Mortgages, Allica Bank, Bridgebank Capital, Avamore Capital, Glenhawk, Aldermore and Kuflink. Each has a niche worth knowing. Shawbrook and Allica price well on cleaner commercial and semi-commercial bridges including Cambridge professional-services freeholds and Peterborough industrial yards. Bridgebank, Avamore and Glenhawk all have well-developed appetite for refurbishment and small development work that suits the Cambridge HMO and Peterborough conversion profile. Kuflink and Precise round out the panel with quick smaller-ticket work and the option of a portfolio approach on multi-property cases. ASK Partners and OakNorth come in on the largest tickets where a commercial relationship and larger lend make sense. The point of carrying that breadth is not to chase the cheapest headline rate on every case. It is to have a credible answer for every case, because the right lender on a Cambridgeshire deal is almost never the lender who answered the previous one.

Five recent Cambridgeshire deals

1. Auction Peterborough PE1 retail, fourteen-day completion

A PE1 city-centre retail-to-resi conversion flat bought at a regional auction for £215,000 with vacant possession and a basic auction pack. Bridge of £150,500 at 70% of purchase price plus a small cosmetic refurbishment budget, nine-month term, exit through buy-to-let refinance once the property is let. Indicative terms inside twenty-four hours of the hammer falling. Valuation booked within forty-eight hours, title insurance applied to bridge a thin search pack, drawdown on day twelve. Rate at 0.85% per month. The cleanest version of the auction pattern that runs through the Peterborough book month after month, with MT Finance the typical home for cases of this size and shape.

2. Chain-break Cambridge CB3, £2.4 million premium villa

A CB3 Madingley Road owner-occupier upsizing from a Newnham villa to a larger Adams Road house, with the existing sale agreed at £2.1 million and the onward purchase agreed at £3.85 million. Regulated bridge of £2.4 million at 62% of onward-property value, nine-month term, exit through completion of the existing sale. Rate at 0.65% per month at the cleaner end of the regulated band. Introduced through our regulated introducer partner for the regulated activity, packaged and completed in twenty-two days from instruction. United Trust Bank wrote the case. The standard Cambridge premium chain pattern that runs through the CB2 and CB3 villa belt every quarter.

3. Refurb Cambridge CB1, HMO conversion to seven-bed professional

A CB1 Mill Road end-terrace acquired for £625,000, requiring full conversion from a tired four-bed family layout into a licensed seven-bed professional HMO serving the Addenbrooke's and Cambridge Biomedical Campus catchment. Total loan facility of £780,000 covering purchase and works, drawn against gross development value of £1.15 million on the assumed completed scheme. Eighteen-month term to allow for the Article 4 planning consent timetable, the works programme, and a portfolio HMO refinance on the completed unit. Pricing at 1.05% per month, with arrangement and exit terms reflecting the heavier refurbishment profile. Octane Capital wrote the case.

4. Dev-exit St Neots, 12-unit Wintringham scheme

A twelve-unit residential scheme reaching practical completion at the Wintringham extension east of the East Coast Main Line, originally funded on development finance, with five units already reserved and seven to market. Refinance bridge of £2.65 million at 65% of gross development value of £4.1 million, twelve-month term to allow for unit sales to complete. Step-down in pricing from the development facility of roughly 0.35% per month, providing the borrower with carry savings that more than cover the arrangement fee. Pricing at 0.85% per month. Octopus Real Estate wrote the case. The standard dev-exit pattern that runs through the St Neots and Cambourne extensions in 2026.

5. Ely period villa refurb, Cambridge Road CB7

A Cambridge Road CB7 Georgian period villa acquired for £685,000 from a probate sale, requiring sympathetic restoration before owner-occupation and sitting inside the Ely conservation area. Total loan facility of £550,000 covering purchase and works, twelve-month term to absorb the conservation-area consent timetable and the works programme. Pricing at 0.95% per month, with staged drawdowns released against conservation-area consent sign-off and monitoring inspections as the works hit agreed milestones. Hope Capital wrote the case. The exit landed on a residential term loan once the works completed and the property was re-valued at £925,000, with the bridge cleared cleanly inside the twelve-month term.

Outlook 2026 to 2027

The forward view for Cambridgeshire bridging is steady rather than dramatic. We expect the regulated end of the market to soften modestly through the back end of 2026 as buy-to-let term-rate pricing settles, which should pull regulated bridging pricing down with it. Unregulated standard bridging is likely to hold close to current levels, with competition between specialist lenders keeping pricing honest in the middle of the book. Heavy refurbishment and development-exit pricing will move with the appetite of the larger specialist lenders, and we expect that to remain firm given the supply of completed development stock coming through the St Neots, Cambourne and Hampton pipelines. The deal flow itself should hold or grow, particularly on the Cambridge HMO conversion and Peterborough Class MA conversion segments, given the structural rental demand from Addenbrooke's and the Silicon Fen tech-cluster.

Two infrastructure items will shift the property economy materially in the back end of the briefing window. The A428 dualling between St Neots and Cambridge is under construction with completion expected through 2026 to 2027, and will cut the Cambridge road journey time meaningfully from St Neots, Cambourne and the wider A428 corridor. We expect family-home values in St Neots and Cambourne to lift by 5 to 15% on the back of the upgrade and the Cambridge-commuter rental belt to broaden further west. East-West Rail is scheduled for potential opening at Cambourne and on the Oxford- Cambridge link through 2030, with active works under way at the western edge of Cambridge. We expect that to begin pricing into Cambourne, St Neots and the wider Bedford corridor through 2027 and 2028.

The split between regulated and unregulated work on our Cambridgeshire book runs roughly twenty-five per cent regulated, seventy-five per cent unregulated. The regulated portion sits mostly in chain-break cases for owner-occupiers across CB2, CB3, CB4 and the wider Cambridge belt, with a smaller share of Huntingdon, Ely and St Neots commuter cases where a homeowner is buying onward before completing the sale of an existing home. The unregulated portion covers the investor and developer book in full, including Fenland BRR, Peterborough auction-to-BTL, Cambridge HMO conversion and the dev-exit pipeline. We are not directly authorised by the Financial Conduct Authority. Regulated bridging on owner-occupied residential property is regulated by the Financial Conduct Authority, and we introduce regulated cases to authorised partners who carry out the regulated activity and provide any required advice. We do not give advice on regulated mortgages, regulated bridging, or investment products.

On timelines, the standard expectations apply. Indicative terms inside twenty-four hours of a complete enquiry. Full underwriting in three to five working days once the lender has the pack. Valuation in five to ten working days depending on the valuer's diary and the access situation at the property. Legal completion in five to ten working days after valuation, with auction cases pushed harder using title insurance where the seller's pack supports it. Total elapsed time from first call to drawdown sits between ten and twenty-one days on most cases. Auction cases run faster, with seven to fourteen days achievable where the pack is clean.

On fees, we are transparent. Lender arrangement fees typically run at 1.5% to 2.0% of the loan, added to the facility on most products. Valuation is payable on a case-by-case basis, with a typical residential valuation for a single Cambridgeshire terrace at around £500 to £900, and Cambridge premium villa valuations running £1,500 to £3,500 on the larger CB2 and CB3 cases. Legal costs sit at both borrower and lender side, typically £1,500 to £4,000 per side on standard cases. Exit fees are zero on most products. Broker fees, where charged, are disclosed in writing before any work starts.

How we work is simple. A short triage call to understand the deal, the security, the timeline and the proposed exit. A written summary of indicative terms inside twenty-four hours, identifying the two or three lenders best placed to fund the case. A packaged submission with a valuation booking and legal instruction ready to go on lender selection. Then steady, weekly progress until drawdown. We do not run drip-email funnels, we do not chase clients through aggressive call cycles, and we do not promise rates we cannot deliver. The Cambridgeshire bridging market rewards specific work done at speed across both the Cambridge premium tier and the Fenland yield tier. That is what we set the desk up to do.