St Ives, Cambridgeshire
Bridging Loans St Ives
St Ives sits on the Great Ouse 6 miles east of Huntingdon as a Cromwell-heritage market town and one of the strongest Cambridge-busway commuter markets in the county. The PE27 and PE28 postcodes carry a steady family-home flow, a busy Market Hill and Bridge Street retail core, and a wider professional-let rental belt. We arrange specialist bridging finance across St Ives regularly, working with chain-break owner-occupiers and BRR landlords.
St Ives median
£315,000
PE27 postcode area
Recent sales tracked
6
Land Registry, last 24 months
Dominant stock type
Detached
33% of recent transactions
Indicative monthly rate
0.55–1.5%
Subject to LTV, exit and security
The area
St Ives in context.
St Ives is a market town and civil parish in the Huntingdonshire district, with the Old Bridge and the Bridge Chapel of St Leger crossing the Great Ouse at the southern edge, making it one of only four medieval bridge-chapel sites in England. The town centre covers Market Hill, Bridge Street and Crown Street with a strong independent retail and food strip, and a regular Monday and Friday market that has run continuously since 1110. The Norris Museum sits on The Broadway and the Hemingfords sit immediately east along the river.
Oliver Cromwell lived in the town from 1631 to 1636 and a statue of him stands on Market Hill. The street pattern is tight Georgian and Victorian through the centre, with later Victorian and Edwardian terrace belts running out along Houghton Road, Ramsey Road and the A1096 northern fringe. The post-war estate belts at Hill Rise and Westwood Road sit further out. The economic base is the town-centre retail, professional services, the Hinchingbrooke Hospital catchment via Huntingdon, and a strong Cambridge-commuter base via the Cambridgeshire Guided Busway, which runs from St Ives to Cambridge via Histon and Cambridge North station in around 35 minutes.
Sold-data signal
Property market in St Ives.
PE27 and PE28 covering St Ives and the wider Hemingfords belt carry a median sold price around £325,000 across recent transactions, comfortably above the Cambridgeshire-wide median and reflecting the town's Cambridge-busway commuter premium. PE27 covering central St Ives runs at around £305,000 on three-bed Victorian terrace and semi stock, with the Hemingford Grey and Hemingford Abbots village belt reaching £450,000 to £750,000 on the larger riverside houses.
The property type split runs roughly 35% semi-detached, 25% terraced, 25% detached and 15% flats and other. Most St Ives bridging deals fall between £225,000 and £550,000, with the larger Hemingfords riverside cases pushing towards £900,000 to £1.2 million at the premium end.
Deal flow
Bridging activity in St Ives.
Three deal flavours dominate the St Ives book. First, chain-break for owner-occupiers trading inside the £325,000 to £650,000 family-home belt, often Cambridge-busway commuters upsizing from a smaller town-centre property to a larger Hemingford Grey or Houghton Road house. These are regulated cases passed to our regulated partner firm, with rates from 0.55% per month and typical LTVs at 65 to 70%. Term 6 to 12 months against the open-market sale of the borrower's existing home, packaged and completed inside 21 days from instruction on most cases.
Period-property refurbishment on Market Hill
period-property refurbishment on Market Hill, Bridge Street and the wider riverside belt. Larger Georgian and Victorian houses needing sympathetic restoration before resale or owner-occupation sit on 12 to 15-month bridges at 0.85 to 1.05% per month, with conservation-area planning timetable built into term where the property sits in the St Ives or Hemingfords conservation areas. Loan band £325,000 to £750,000, LTV 65 to 70% against gross development value.
BRR portfolio building on PE27 town-centre and
BRR portfolio building on PE27 town-centre and post-war estate stock. Investors buy tired three and four-bed semis, fund cosmetic refurb of £20,000 to £40,000 on a 9-month bridge at 0.85% per month, then exit to a BTL term loan at uplifted value. The maths work because PE27 rental yields run above 5.5% on professional-let three-bed semis, supporting the BRR refinance arithmetic on a 75% LTV BTL exit.
Capital-raise bridging against unencumbered St Ives stock
Capital-raise bridging against unencumbered St Ives stock forms a steady fourth stream, mostly funding deposits on the next acquisition elsewhere in the wider Huntingdonshire belt. Loan band £150,000 to £400,000, rate 0.95 to 1.05% per month, 55 to 65% LTV, term 6 to 12 months. Auction work runs as a smaller fifth stream, mostly probate sales through the regional rooms with the occasional repossession from the higher price band. Small developer plot bridging at the eastern St Ives fringe and the Hemingfords village edges runs as a steady sixth stream while planning is resolved or the build is funded through to practical completion.
Streets and postcodes
Named streets we work across.
St Ives covers PE27 covering central St Ives and the immediate fringe, and PE28 covering the wider Hemingfords belt at Hemingford Grey, Hemingford Abbots, Houghton, Wyton and Fenstanton.
Postcode areas
Streets in our regular bridging flow (7)
Read the full St Ives geography note ›
St Ives covers PE27 covering central St Ives and the immediate fringe, and PE28 covering the wider Hemingfords belt at Hemingford Grey, Hemingford Abbots, Houghton, Wyton and Fenstanton. Named streets in the bridging book include Market Hill, Bridge Street, Crown Street, The Broadway and The Quadrant through the central PE27 belt, Houghton Road, Ramsey Road, Westwood Road and Hill Rise through the wider PE27 fringe, and the Hemingford Grey and Hemingford Abbots riverside streets across PE28.
Demand drivers
Transport and rental demand.
St Ives lost its passenger railway station in 1970, with the line south to Cambridge having been converted to the Cambridgeshire Guided Busway in 2011. The busway carries direct services to Cambridge via Histon, Cambridge Science Park and Cambridge North station in around 35 minutes, with frequent buses through the day and evening. The A14 runs along the southern fringe with direct access to Cambridge and Felixstowe, and the A1096 runs north to the A14 junction at Huntingdon.
Demand drivers are the town-centre retail and professional services, the strong Cambridge-busway commuter base via the 35-minute link, the Hinchingbrooke Hospital catchment via Huntingdon, the Hemingfords riverside premium, and the wider Huntingdonshire district administration. St Ives rental yields run firmer than the Cambridge average on equivalent stock, with average void periods on well-presented three-bed semis below three weeks.
Recent work
Our work in St Ives.
Recent St Ives bridging includes a £495,000 chain-break facility on a Hemingford Grey PE28 owner-occupier upsizing from a smaller town-centre semi to a larger riverside detached house, 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 £325,000 period-property refurbishment bridge on a Bridge Street PE27 Georgian townhouse, 12 months at 0.95% per month and 65% LTV, with staged drawdowns released against conservation-area consent sign-off and monitoring inspections.
A third recent case funded a £255,000 BRR bridge on a Houghton Road PE27 end-terrace, 9 months at 0.85% per month and 75% LTV, exited to a BTL term loan at uplifted value once the new tenancy was in place. A fourth case funded a £625,000 Hemingford Grey riverside acquisition for a Cambridge-busway commuter family moving from a London property, 9 months at 0.85% per month and 70% LTV, exited to a residential term loan once the London sale had completed. A fifth recent case raised £175,000 second-charge against an unencumbered Market Hill landlord property for the borrower's deposit on a CB22 portfolio addition, 6 months at 0.95% per month and 55% LTV. A sixth case funded a £385,000 small developer plot bridge on a Fenstanton PE28 infill site, 12 months at 1.05% per month, exited on completion of the build and the sale of the two completed units to local owner-occupiers. The combined pattern across these six cases shows the steady mid-market position St Ives occupies in the wider Huntingdonshire belt, with Cambridge-busway commuter pull underwriting the chain-break volume and the Hemingfords riverside frontage carrying the larger premium cases.
Land Registry, recent sold prices
St Ives sold-price evidence
The most recent registered transactions across the PE27 postcode area, drawn from HM Land Registry Price Paid Data. Underwriters and valuers work from this evidence on every St Ives bridge we arrange.
PE27 median
£315,000
| Date | Street | Postcode | Type | Sold price |
|---|---|---|---|---|
| Mar 2026 | Tern Drive | PE27 5DR | Semi-detached | £369,000 |
| Mar 2026 | Brigham Crescent | PE27 6TE | Terraced | £400,000 |
| Feb 2026 | Wilson Way | PE27 6TG | Detached | £525,000 |
| Feb 2026 | Old Farm Close | PE27 4SG | Detached | £454,975 |
| Feb 2026 | East Street | PE27 5RR | Flat | £240,000 |
| Feb 2026 | Somersham Road | PE27 3LY | Other | £680,000 |
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.
St Ives sits inside a wider Cambridgeshire bridging book. Click any marker to step into another town we cover.
FAQs
St Ives bridging questions
Do you fund Cambridge-busway chain-break cases out of St Ives?
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Yes, regularly. St Ives sits 35 minutes by busway from Cambridge North and produces a steady flow of Cambridge-commuter chain-break cases at £325,000 to £650,000. These are regulated, introduced to our regulated partner firm. Rate from 0.55% per month, 65 to 70% LTV against the onward property, term 6 to 12 months.
What loan size is realistic on a Hemingford Grey riverside house?
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Hemingford Grey and Hemingford Abbots riverside houses trade between £600,000 and £1.2 million, with the best examples on the river frontage stretching to £1.5 million. Bridging typically funds 65 to 70% of value, putting realistic loan sizes between £400,000 and £850,000.
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