Cambridge, Cambridgeshire

Commercial Mortgages in Cambridge

Led by Matt Lenzie, ex-Lloyds Bank and Bank of Scotland, we arrange commercial mortgages, bridging finance, and development finance for property professionals across Cambridge and Cambridgeshire.

£300M+
Capital Raised
48hrs
Decision Time
100+
Lender Panel
£425
Avg Price/sq ft
4.5%
Average Yield
+18.5%
5yr Price Growth
+12.8%
5yr Rental Growth

Why Choose CMB in Cambridge

Direct relationships with executives and board members of the UK's leading lenders

Ex-Banking Background

Former Lloyds Bank and Bank of Scotland professionals who understand lender criteria inside-out

Board-Level Access

Direct relationships with lender decision-makers for faster approvals and better terms

£300M+ Track Record

Proven success arranging complex commercial property finance across the UK

Areas we cover:City CentreCambridge Science ParkMill RoadCherry HintonTrumpington

Cambridge Local Market Intelligence

World-class university and research cluster. Life sciences and tech driving exceptional demand. Constrained supply supports premium values.

— CMB Market Analysis

Key Industries

  • Life Sciences
  • Technology
  • Higher Education
  • Research
  • Professional Services

Transport Links

  • Cambridge Station mainline
  • Cambridge North
  • M11 motorway
  • Guided Busway

Regeneration

North East Cambridge; Cambridge Science Park expansion; station area

Cambridge Commercial Property Market Data

Commercial Property Values in Cambridge

Property TypePrime / Grade ASecondaryMarket Range
Office£20 psf£9 psf£9 - £20 psf
Retail / Shop£50 psf£16 psf£16 - £50 psf
Industrial£9 psf£5 psf£5 - £9 psf

Market estimates based on Q1 2026 regional benchmarking data. For accurate valuations, contact us for a detailed assessment.

Investment Yields in Cambridge

Indicative gross yields. Actual returns depend on property condition, lease terms, and tenant covenant strength.

Cambridge Market Trends

Office Vacancy
Falling
Industrial Demand
Moderate
Retail Footfall
Declining
Residential Investment
Moderate
Dominant sector:Office & Professional Services

Investor appetite for Cambridge commercial property remains strong, with office & professional services assets attracting the most interest.

Cambridge Commercial Districts

Cambridge Science Park

Life Sciences/Tech

Prime Rent: £42-52 psf

Cambridge Biomedical Campus

Pharma R&D

Prime Rent: £50-65 psf

CB1 Station Area

Mixed Use

Prime Rent: £45-55 psf

West Cambridge

University Research

Prime Rent: £35-45 psf

City Centre

Retail/Professional

Prime Rent: £85-120 Zone A

Recent Commercial Property Transactions in Cambridge

Representative transactions reflecting current market activity. Prices are guide values based on comparable evidence.

OfficeQ4 2025

Serviced office premises, town centre

10,632 sq ft
£121,000 - £134,000
£12 psf9.4% yield
RetailQ1 2026

Ground floor shop with A1 use, Mill Road

2,120 sq ft
£87,000 - £96,000
£43 psf6.2% yield
IndustrialQ3 2025

Light industrial unit with yard, Trumpington

14,672 sq ft
£125,000 - £139,000
£9 psf5.7% yield
Residential BlockQ3 2025

12-unit purpose-built apartment block, Cambridge Science Park

12 units
£1,165,000 - £1,285,000
5.3% yield
Mixed-UseQ1 2026

Mixed-use building with commercial ground floor and residential above, City Centre

2,020 sq ft
£459,000 - £507,000
£239 psf6.3% yield
Development SiteQ4 2025

Development site with planning for 13 residential units, City Centre

13 units
£105,000 - £115,000

Market estimates based on Q1 2026 regional benchmarking. For accurate valuations, contact us.

University & Student Housing in Cambridge

Universities

2 institutions · 32,000 students

  • University of Cambridge
  • Anglia Ruskin University

HMO Hotspot Areas

Mill RoadRomseyChestertonKing's HedgesArbury

HMO Licensing

Article 4 In Effect

City-wide additional licensing since 2019 (renewed 2024)

Typical HMO Yield: 6-8%

Key Licensing Areas

Mill RoadRomseyChestertonKing's Hedges

Premium values compress yields. Strict Article 4 limits new HMO creation. Existing licensed HMOs command significant premium.

Our Services in Cambridge

Commercial Mortgages

Long-term financing for commercial and mixed-use property purchases, refinancing, and investment — tailored by experienced brokers who understand complex deal structures.

From £50,000Up to 75% LTV5-25 years

Commercial Bridging Finance

Fast, flexible short-term finance for commercial property transactions — decisions in 48 hours, completion in days, and creative structuring for deals that mainstream lenders will not touch.

From £50,000Up to 75% LTV1-18 months

Development Finance

Specialist funding for ground-up construction, major refurbishment, and mixed-use development projects — structured with staged drawdowns aligned to your build programme.

From £150,000Up to 75% LTV6-24 months
ML

Matt Lenzie

Founder & Principal Broker

With a career spanning Lloyds Bank, Bank of Scotland, and a partnership in a corporate finance business, Matt brings institutional-grade expertise to every deal in Cambridge. Currently a board advisor to a pension administrator and trustee with £3.9bn of assets under advisory, Matt has raised over £300m of capital for property professionals across the UK.

View Full Profile

Why Cambridge for Commercial Property Investment

Investment Highlights

  • Average commercial property yields of 4.5% across the local market
  • 18.5% property price growth over the past five years
  • 12.8% rental growth over five years supporting income returns
  • Strong occupier demand from Life Sciences and Technology sectors
  • Excellent transport connectivity including Cambridge Station mainline
  • Active regeneration programmes driving future capital growth

Development Opportunities

Cambridge presents development opportunities linked to North East Cambridge. Growing demand from the Life Sciences sector is creating opportunities for purpose-built commercial space and conversion projects. Strong transport links enhance viability for mixed-use and residential-led schemes.

Lender Appetite

Very strong appetite for all quality assets. Premium innovation location.

Broker Notes

Global life sciences hub commands specialist lender interest. Biomedical Campus £1bn+ expansion underway. North East Cambridge 8,000 homes planned. Science Park virtually nil vacancy. Institutional capital competing for assets.

Property Types We Finance

Laboratory/Research SpaceOffice SpaceServiced OfficesData Centres

Our team has extensive experience in Cambridgeshire property finance markets.

Why Invest in Cambridge

Cambridge is a world-renowned university city with a thriving tech and life sciences sector. The commercial property market benefits from strong demand across Life Sciences, Technology, Higher Education sectors, creating diverse occupier interest and reducing single-sector risk. With average yields of 4.5% and 18.5% price growth over five years, Cambridge offers compelling returns for commercial property investors. Excellent connectivity via Cambridge Station mainline supports tenant demand and underpins long-term property values. Ongoing regeneration activity, including North East Cambridge, further enhances the investment outlook and signals sustained public and private sector confidence.

Local Market Challenges

The Cambridge market requires realistic expectations around liquidity and exit timelines for commercial assets. Secondary location pricing can be volatile, and investors benefit from strong local knowledge and established lender relationships.

Notable Developments

Cambridge's commercial property landscape has been shaped by North East Cambridge. Growth in the Life Sciences sector has driven notable investment activity, with occupier demand supporting new development and refurbishment projects across the area.

Planning Context

Cambridge falls under Cambridgeshire planning authority, where the adopted local plan supports commercial development and economic growth. Planning decisions reflect a balance between heritage conservation and enabling new investment, with CIL charges and Section 106 contributions applying to larger schemes.

Latest Commercial Property News in Cambridge

Commercial property news for Cambridge will appear here once available. Check back soon for the latest market updates.

Also Serving Across Cambridgeshire

We provide commercial mortgages, bridging finance, and development finance throughout Cambridgeshire.

Commercial Mortgage Brokers Across the UK

Cambridge Commercial Mortgage Calculator

Pre-populated with local market data

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Interest-only estimate. Actual terms subject to lender assessment.

Cambridge Location

Commercial mortgage services available across Cambridge and surrounding areas. View larger map

Cambridge Commercial Property FAQ

What is the average office rent per square foot in Cambridge?

Office rents in Cambridge range from approximately £9 per square foot for secondary space up to £20 per square foot for Grade A accommodation. Grade B office space, which represents the bulk of the market, typically commands around £13 per square foot. These figures are based on Q1 2026 regional market benchmarking.

What yields can investors expect from commercial property in Cambridge?

Investment yields in Cambridge vary by property type and grade. Current indicative yields are: offices at 6.24%-8.99%, retail at 6.5%-7.52%, industrial at 5.77%-6.53%, residential single-let at 5.54%, HMOs at 9.6%. Prime yields are typically lower, reflecting stronger covenant strength and location quality. Contact us for a detailed yield analysis for your target property type.

What types of commercial property are available in Cambridge?

Cambridge's commercial property market includes offices, retail units, industrial premises, residential investment blocks. We arrange finance across all commercial property types, from standard office and retail purchases to specialist assets requiring tailored lending solutions.

How much does a residential investment block cost in Cambridge?

Residential investment blocks in Cambridge typically trade at around £95,830 per unit, or approximately £248 per square foot. Blocks of 4-24 units are the most common size bracket for private investors. Yields for single-let apartments average 5.54%, with HMO conversions achieving up to 9.6%. We can arrange commercial mortgages for blocks of 4+ units through specialist BTL lenders.

What are HMO yields in Cambridge?

HMO investments in Cambridge can achieve yields of approximately 9.6%, compared to 5.54% for standard single-let properties. With 2 higher education institutions and approximately 32k students, Cambridge has strong HMO demand. Note that HMO licensing requirements vary by local authority -- check Article 4 directions before purchasing.

Ready to discuss your Cambridge project?

Speak with our specialist team today and get a decision in principle within 48 hours.