Specialist Commercial Mortgage Broker in Cambridge
CMB arranges commercial mortgages, bridging loans and development finance for property professionals across Cambridge and Cambridgeshire. Led by Matt Lenzie, ex-Lloyds Bank and Bank of Scotland, institutional-grade underwriting, direct lender access and decisions in 48 hours.
Cambridge commercial property finance, offices, retail and mixed-use assets
Cambridge commercial mortgage brokers, ex-bankers with direct lender access
CMB combines former Lloyds and Bank of Scotland underwriting experience with direct board-level relationships at the UK's leading commercial 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
Cambridge commercial property market signals
The factors lenders weigh when assessing Cambridge commercial mortgages, sector demand, transport connectivity and active regeneration programmes.
“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 Q1 2026 Commercial Property Market Report
Cambridge is the UK's most distinctive commercial property market outside London, with HM Land Registry recording 890 commercial-leaning transactions across the city in the rolling five-year window to Q1 2026.
Listen: Cambridgeshire Q1 2026 commercial property briefing
The Cambridgeshire regional briefing covering Cambridge and the wider region. A Q2 2026 commercial property briefing on Cambridgeshire, a two-engine county anchored by the Cambridge Cluster of biotech, AI, and quantum occupiers in the south, and by Peterborough's logistics and distribution hub on the East Coast Main Line in the north. We walk through the bimodal pricing across seven principal towns, recent Acuitus auction prints clearing between roughly five and a third and eleven and a quarter percent, and where lender appetite sits today.
Part of the Commercial Property Briefing podcast series. Subscribe via the RSS feed.
Cambridge commercial districts and prime rents
Submarket-level prime rent benchmarks across Cambridge's main commercial districts, the figures that shape valuations, lender comparables and target acquisition prices.
Cambridge Science Park
Life Sciences/Tech
Cambridge Biomedical Campus
Pharma R&D
CB1 Station Area
Mixed Use
West Cambridge
University Research
City Centre
Retail/Professional
Cambridge commercial property transaction evidence
293 commercial sales in Cambridge across the last 60 months, sourced from HM Land Registry Price Paid Data. 28 records in the current sample are confidently sector-classified; the wider recent sample is shown as general commercial transaction evidence.
Cambridge Grove Care Home, Cambridge Road, Fulbourn, Cambridge
300, High Street, Cottenham, Cambridge
35, High Street, Foxton, Cambridge
Unit P1 Dales Manor Business Park, Grove Road, Sawston, Cambridge
Horseshoes, High Street, Fen Drayton, Cambridge
Cygnus Business Park, Barn A, Middle Watch, Swavesey, Cambridge
Plot 6b, Moor Drove, Histon, Cambridge
Plot 6a, Moor Drove, Histon, Cambridge
42, Papworth Business Park, Papworth Everard, Cambridge
40, Papworth Business Park, Papworth Everard, Cambridge
38, Papworth Business Park, Papworth Everard, Cambridge
36, Papworth Business Park, Papworth Everard, Cambridge
76 - 78, High Street, Sawston, Cambridge
43, High Street, Rampton, Cambridge
Orchard Path, High Street, Cottenham, Cambridge
279, High Street, Cottenham, Cambridge
Plot 1, Moor Drove, Histon, Cambridge
Plot 4, Moor Drove, Histon, Cambridge
76, High Street, Great Shelford, Cambridge
52, Papworth Business Park, Papworth Everard, Cambridge
Norman Way Industrial Estate, Unit 123, Cambridge Road, Milton, Cambridge
Plot 8, Moor Drove, Histon, Cambridge
Plot 2, Moor Drove, Histon, Cambridge
Plot 3, Moor Drove, Histon, Cambridge
Plot 5, Moor Drove, Histon, Cambridge
Plot 6a, Moor Drove, Histon, Cambridge
Plot 7, Moor Drove, Histon, Cambridge
Plot 9, Moor Drove, Histon, Cambridge
Weavers Lodge, Blacksmiths Lane, Shudy Camps, Cambridge
Stone Cross, Trumpington Road, Trumpington, Cambridge
Source: HM Land Registry Price Paid Data (Category B records). Sector classification is address-based and best-effort; unclassified records are shown as general commercial transactions and smaller sectors may include mixed-use or conversion deals.
Cambridge student housing and HMO finance
32,000+ students across 2 institutions drive sustained occupier demand for purpose-built student accommodation and licensed HMOs in Cambridge.
Universities
2 institutions · 32,000 students
- University of Cambridge
- Anglia Ruskin University
HMO Hotspot Areas
HMO Licensing
Article 4 In EffectCity-wide additional licensing since 2019 (renewed 2024)
Key Licensing Areas
Premium values compress yields. Strict Article 4 limits new HMO creation. Existing licensed HMOs command significant premium.
Cambridge commercial mortgages, bridging loans and development finance
Three core debt structures cover the majority of Cambridge commercial property deals. Each carries a different lender panel, LTV ceiling and pricing band, match the structure to the asset and the timeline.
Cambridge commercial property finance by property type
Lender appetite, yield bands and debt structures vary materially by property type. Pick the briefing that matches your Cambridge acquisition.
Office finance in Cambridge
Office investment finance for headquarters buildings, business parks, multi-let suites and office-led mixed-use schemes.
View briefing
Industrial finance in Cambridge
Industrial and logistics finance for big-box distribution, multi-let estates, last-mile urban logistics and trade counter parks.
View briefing
Retail finance in Cambridge
Retail property finance for high street parades, retail warehousing, shopping centres and convenience-led mixed-use.
View briefing
Mixed-Use finance in Cambridge
Finance for buildings combining commercial ground floors with residential upper floors, the dominant deal format in UK secondary markets and the engine of corporate-acquired property activity.
View briefing
Hotel finance in Cambridge
Hotel property finance for trading boutique hotels, branded operator-let assets and aparthotel acquisitions.
View briefing
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 ProfileCambridge commercial property investment fundamentals
What makes Cambridge fundable, where the development opportunity sits, which lenders are active, and the asset classes our team finances most often.
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
Our team has extensive experience in Cambridgeshire property finance markets.
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 Location
Commercial mortgage services available across Cambridge and surrounding areas. View larger map
Cambridge commercial mortgage FAQ
Data-grounded answers about commercial property finance in Cambridge, sourced from HM Land Registry transactions and our own deal flow.
How active is the commercial property market in Cambridge?
HM Land Registry recorded 293 commercial property transactions in Cambridge during the most recent reporting window. The median commercial sale price is £390,000, with the middle 50% of deals between £279,000 and £580,000. Source: HM Land Registry Price Paid Data (Category B records).
What is the typical commercial property price in Cambridge?
The median commercial sale price recorded by HM Land Registry in Cambridge is £390,000. Smaller end deals (lower quartile) sit around £279,000, while larger transactions (upper quartile) reach £580,000 and above. These are the figures lenders will benchmark valuations against when assessing a commercial mortgage application in Cambridge.
Which commercial property sectors are most active in Cambridge?
The most active commercial sectors in Cambridge (by recorded transaction count) are: land (11 transactions), retail (8 transactions), office (7 transactions). Sector mix matters because lender appetite, LTV ceilings and rate pricing all vary by use class — speak to our team for an indicative quote on the sector you are targeting.
Can I get a commercial mortgage on a property in Cambridge?
Yes. We arrange commercial mortgages, commercial bridging finance and development finance for property in Cambridge. Typical loan sizes range from £150,000 to £25m+, with LTVs up to 75% on standard commercial assets and up to 70% LTGDV on development. Whole-of-market access — including the high-street banks, challenger lenders and specialist commercial funders.
How do I get a commercial mortgage quote for a property in Cambridge?
Call 07595 366094 or use the contact form to request a commercial mortgage quote in Cambridge. We will review the asset, sector, deal structure and lender appetite specific to Cambridge and come back with an indicative rate, LTV and term within 24–48 hours.