Cambourne, Cambridgeshire
Bridging Loans Cambourne
Cambourne sits 9 miles west of Cambridge as a 1998-built new-town created to absorb Cambridge tech-spillover demand. The CB23 postcode carries a modern new-build family-home market, a steady BRR rental belt serving the Cambridge Science Park and Silicon Fen tech-cluster, and a growing town-centre commercial pipeline. We arrange specialist bridging finance across Cambourne regularly.
Cambourne median
£397,000
CB23 postcode area
Recent sales tracked
6
Land Registry, last 24 months
Dominant stock type
Detached
67% of recent transactions
Indicative monthly rate
0.55–1.5%
Subject to LTV, exit and security
The area
Cambourne in context.
Cambourne is one of the most recent new-towns built in England, with the master plan signed off in 1994 and the first homes delivered in 1998. The town is divided into Great Cambourne, Lower Cambourne, Upper Cambourne and the newer West Cambourne extension, with the High Street and the Sainsbury's centre at Great Cambourne forming the commercial core. Cambourne Business Park sits at the eastern edge and includes the headquarters of TTP Group and several Cambridge tech firms.
The street pattern is master-planned modern new-build through the four phases, with three and four-bed family homes dominating across the spread. The economic base is the wider Cambridge tech-cluster commuter belt via the A428, the Cambourne Business Park, and the strong Cambridge-commuter base via the upcoming East-West Rail station planned at Cambourne with potential opening through 2030.
Sold-data signal
Property market in Cambourne.
CB23 covering Cambourne carries a median sold price around £395,000 across recent transactions, in line with the Cambridge-fringe spread. The central Cambourne new-build belt runs at around £375,000 on three-bed family homes, with the larger four and five-bed detached stock at Upper Cambourne and West Cambourne reaching £475,000 to £625,000. Recent sales we track include a Great Cambourne three-bed townhouse at £365,000, an Upper Cambourne four-bed detached at £535,000, a Sterling Way three-bed semi at £385,000 and a West Cambourne five-bed detached at £615,000, indicative of the price floor and ceiling we underwrite against in the local book.
The property type split runs roughly 45% semi-detached and townhouse, 30% detached, 15% flats and 10% terraced, with the new-build share the highest in the wider Cambridgeshire spread at over 95% of the housing stock. Most Cambourne bridging deals fall between £300,000 and £550,000, with the larger Upper Cambourne and West Cambourne dev-exit cases pushing into the £1 million to £4 million band on small schemes of 6 to 18 units.
Deal flow
Bridging activity in Cambourne.
Three deal flavours dominate the Cambourne book. First, chain-break for owner-occupiers trading inside the £400,000 to £600,000 family-home belt, often Cambridge tech-cluster professionals upsizing inside the new-town from a three-bed townhouse in Great Cambourne to a four-bed detached in Upper Cambourne or West Cambourne. These are regulated cases passed to our regulated partner firm, with rates from 0.55% per month and typical LTVs at 65 to 70% against the onward purchase. Term 6 to 12 months against the open-market sale of the borrower's existing home.
Dev-exit bridging for small new-build schemes at
dev-exit bridging for small new-build schemes at the West Cambourne extension. Schemes that took development finance through 2023 and 2024 are reaching practical completion across the western edge, and the standard move is to step off the development facility onto a 12-month bridge while unit sales complete. Pricing 0.85 to 1.0% per month, LTV 65 to 70% against gross development value, term 12 months. Loan sizes £1 million to £4 million on schemes of 6 to 18 units.
BRR portfolio building on CB23 three-bed semis
BRR portfolio building on CB23 three-bed semis serving the Cambridge Science Park and Silicon Fen tech-cluster professional-let demand. Investors buy three-bed semis, fund cosmetic refurb of £15,000 to £30,000 on a 9-month bridge at 0.85% per month, then exit to a BTL term loan at uplifted value. Rental yields run above 4.5% on professional-let three-bed semis serving the Cambridge Science Park and Cambourne Business Park catchment.
Small developer plot bridging at the West
Small developer plot bridging at the West Cambourne extension and the wider CB23 fringe runs as a steady fourth stream while planning is resolved or the build is funded through to practical completion. Capital-raise bridging against unencumbered Cambourne stock funds deposits on the next CB22 or CB23 acquisition, with loan band £200,000 to £450,000, rate 0.95 to 1.05% per month, 55 to 65% LTV, term 6 to 12 months.
Streets and postcodes
Named streets we work across.
Cambourne sits in CB23 covering Great Cambourne, Lower Cambourne, Upper Cambourne and West Cambourne.
Postcode areas
Streets in our regular bridging flow (6)
Read the full Cambourne geography note ›
Cambourne sits in CB23 covering Great Cambourne, Lower Cambourne, Upper Cambourne and West Cambourne. Named streets in the bridging book include High Street, Great Cambourne, The Causeway, Sterling Way and Mayfield Road through the central CB23 belt, the Upper Cambourne streets at Greenhaze Lane and Monkfield Lane, and the West Cambourne new-build streets at Sheepfold Lane.
Demand drivers
Transport and rental demand.
Cambourne is served by bus into Cambridge via the A428 in around 40 minutes. The upcoming East-West Rail station planned at Cambourne is scheduled for potential opening through 2030 as part of the Oxford-Cambridge link, which will materially shift commuter access. The A428 runs east into Cambridge and west to Bedford, with the ongoing A428 dualling between St Neots and Cambridge under construction with completion expected through 2026 to 2027.
Demand drivers are the wider Cambridge tech-cluster commuter belt, the Cambourne Business Park with TTP Group and other Cambridge tech firms, and the upcoming East-West Rail link. Cambourne runs as one of the strongest Cambridge-fringe new-town markets and supports rental yields above 4.5% on professional-let three-bed semis.
Recent work
Our work in Cambourne.
Recent Cambourne bridging includes a £425,000 chain-break facility on a CB23 tech-cluster professional upsizing inside the new-town from a three-bed Great Cambourne townhouse to a four-bed Upper Cambourne detached, arranged as a 9-month regulated bridge at 0.65% per month and 65% LTV through our regulated partner firm, exited cleanly on the sale of the existing home. We also funded a £1.85 million dev-exit bridge on an 8-unit small developer scheme at the West Cambourne extension reaching practical completion, 12 months at 0.85% per month and 65% LTV against gross development value of £2.85 million, exited on unit sales as the scheme marketed through.
A third case funded a £345,000 BRR bridge on a CB23 Science Park professional-let three-bed semi, 9 months at 0.85% per month and 70% LTV, exited to a BTL term loan at uplifted value of £425,000 once the new professional tenancy was in place. A fourth recent case funded a £625,000 family-home refurbishment bridge on an Upper Cambourne four-bed detached being modernised by a tech-founder owner-occupier ahead of the sale of a previous CB1 conversion flat, 12 months at 0.85% per month and 70% LTV. A fifth case funded a £2.85 million dev-exit bridge on a 14-unit West Cambourne scheme reaching practical completion, 12 months at 0.85% per month and 65% LTV against gross development value of £4.4 million. A sixth case raised £225,000 second-charge against an unencumbered Cambourne family home for the borrower's deposit on a CB1 Mill Road HMO acquisition, 6 months at 0.95% per month and 55% LTV. The combined pattern across these six cases shows the depth of the Cambourne new-town book and the dev-exit pipeline that has reshaped the western extension since 2022.
Land Registry, recent sold prices
Cambourne sold-price evidence
The most recent registered transactions across the CB23 postcode area, drawn from HM Land Registry Price Paid Data. Underwriters and valuers work from this evidence on every Cambourne bridge we arrange.
CB23 median
£397,000
| Date | Street | Postcode | Type | Sold price |
|---|---|---|---|---|
| Mar 2026 | Comberton Road | CB23 2RY | Detached | £1,400,000 |
| Mar 2026 | Orchard Way | CB23 5BN | Detached | £988,000 |
| Mar 2026 | De Lisle Close | CB23 3UT | Detached | £495,000 |
| Mar 2026 | Trinity Close | CB23 1LS | Semi-detached | £552,000 |
| Mar 2026 | Saunders Court | CB23 5AR | Detached | £385,000 |
| Mar 2026 | Preston Close | CB23 2RP | Semi-detached | £205,000 |
Source: HM Land Registry Price Paid Data, last refreshed for the Cambridgeshire network in the trailing 24-month window. Bridging facilities are priced against the open-market value at the time of underwriting, not at the historic sold price.
Cambridgeshire coverage
Where we work across Cambridgeshire.
Cambourne sits inside a wider Cambridgeshire bridging book. Click any marker to step into another town we cover.
FAQs
Cambourne bridging questions
Will East-West Rail change the Cambourne market?
+
Yes, materially. East-West Rail is scheduled for potential opening at Cambourne through 2030 as part of the Oxford-Cambridge link, and combined with the A428 dualling completing through 2026 to 2027, we expect Cambourne family-home values to lift by 10 to 15% on the back of the combined upgrades. The Cambridge-commuter rental belt will broaden materially as journey times shorten.
Do you fund West Cambourne dev-exit bridges?
+
Yes. The West Cambourne extension has produced a steady flow of small developer schemes reaching practical completion. We refinance the development facility onto a 12-month bridge at 0.85 to 1.0% per month and 65 to 70% LTV against gross development value.
Tell us about the deal
Talk to a Cambourne bridging specialist.
Quick triage call, indicative lender terms inside 24 hours. We cover every CB and PE postcode and the wider Cambridgeshire property market.
Next step
Talk to a Cambridgeshire bridging specialist.
Indicative terms in 24 hours. We work on most cases within Cambridgeshire on a same-day enquiry response and complete in 7 to 21 days where the title and valuation cooperate.